MemoryWorks
2017 Aging & Memory Conference
The Costs of Growing Old in Maine
Pam Villarreal Pam Villarreal
Pamela Villarreal is a Senior Fellow and the NCPA's (National Center for Policy Analysis) expert on retirement, Social Security, economic growth and tax issues. Villarreal has written studies and analyses on specific topics such as the danger of 401(k) borrowing, Social Security disability, the expiration of tax cuts and the future of Social Security and Medicare.

Villarreal has written studies and analyses on specific economic and retirement topics such as minimum wage effects, the jobs market, returns on stock and bond investments, retirement account reforms and the NCPA’s state tax calculator.  She has authored and co-authored numerous publications on diverse topics such as capital gains taxes, reverse mortgages, Social Security disability and baby boomers’ spending habits.  One of her studies, "Wealth, Inheritance and the Estate Tax," was coauthored with noted economist Jagadeesh Gokhale.

Villarreal's work on the NCPA's 401(k) borrowing calculator and the negative consequences to borrowing from a 401(k) has been recognized by media throughout the country. Among those was Kathy Kristof, the award-winning personal finance columnist with the Los Angeles Times.

Villarreal routinely shares her insight with media outlets throughout the country.  Her work has been covered by FOX Business News, CNBC, Forbes, Bloomberg, USA Today, Money Magazine and The Washington Times. She is a much in demand speaker on retirement and tax issues.

Villarreal has a master’s degree in applied economics from the University of Texas at Dallas.

Pamela Villarreal's Blog
Commentaries
The Federalist Blog

See also "The Social Cost Of Adverse Medical Events, And What We Can Do About It"
"ABSTRACT Adverse medical events—medical interventions that cause harm or injury to a patient separate from the underlying medical condition— are unfortunately an all-too-frequent occurrence in US hospitals. They may cause as many as 187,000 deaths in hospitals each year, and 6.1 million injuries, both in and out of hospitals. We estimate the annual social cost of these adverse medical events based on what people are willing to pay to avoid such risks in non–health care settings. That social cost ranges from $393 billion to $958 billion, amounts equivalent to 18 percent and 45 percent of total US health care spending in 2006. A possible solution: Patients offered voluntary, no-fault insurance prior to treatment or surgery would be compensated if they suffered an adverse event—regardless of the cause of their misfortune—and providers would have economic incentives to reduce the number of such events."