Women may have come far enough in the working world that most of them now claim Social Security benefits under their own work records, rather than on their husbands', but that doesn't mean that they've really caught up.

A brief from the Center for Retirement Research at Boston College took a look at the data on the effect that lingering caregiving responsibilities—time lost from work for childbearing and child rearing—has on women. It found it takes a financial toll not just on lifetime earnings, but also on Social Security benefits.

Using the "Health and Retirement Study," linked to administrative earnings records, the brief considered three questions in determining whether, and how much, motherhood might cost women in Social Security benefits.

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