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UPSTATE NEW YORK
REGIONAL

EVIEW
R
VO LU M E N O. 1 , I S S U E N O. 1

●

2006

Baby-Boom Retirements and Emerging Labor Market Pressures
Richard Deitz
As the baby-boom generation
begins to retire, employers
in upstate New York will be
confronted with the dual
pressures of replacing these
workers and filling new jobs
created in growing segments of
the economy. An analysis of
projected hiring rates in the
region suggests that although
there will be demand for workers
in all occupations, employers
may face a particular challenge
filling positions in growing
services occupations with
relatively high retirement rates,
such as health care, community
and social services, and
education.

R

oughly 22 million workers are
expected to retire from the nation’s
workforce between 2000 and
2010; this figure could rise to more than
35 million between 2010 and 2020, as the
baby-boom generation begins to retire.1
As one might expect, a significant number
of new workers could be required to
replace retirees.
The need for new workers is likely to be
more acute in upstate New York. The
region has a population that is older and has
aged more rapidly than the national
average, largely because of the outmigration of young adults—a vital source of
replacements for retired workers.2
Complicating the employment picture is
the ongoing restructuring of the regional
economy, which will create jobs in some
occupations but reduce them in others. In
expanding service sectors such as education
and health care, employment is
increasing—bolstering the demand for new
workers—while in the manufacturing

FEDERAL RESERVE BANK OF NEW YORK

sector, employment continues to shrink—
reducing the need even to replace retirees.
Labor market pressures may emerge in
some segments of the economy as
employers try to fill positions in key
occupations of particularly strong growth,
especially those populated by large shares of
older workers facing retirement.
In this issue of Upstate New York
Regional Review, we examine the demand
for new workers in the region created by
the combination of retirements and
economic restructuring. We begin by
projecting retirement rates for the 2002-12
period and identifying differences in the
need for replacement workers among
broadly defined occupations. We follow
with an analysis of changes in total levels
of employment resulting from growth in
some sectors and decline in others. By
combining retirement rates with projected
total employment needs, we are able to
project the potential future hiring rate for
broad occupational categories.

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B U F FA LO B RA N C H

Our study reveals that the highest hiring rates are likely to
be found in growing service occupations that have high
retirement rates, such as health care, community and social
services, education, and personal care. We find that production
and engineering occupations will have a positive—yet relatively
low—demand for new workers despite a net decline in the total
number of jobs in these occupations in the region. We conclude
by discussing the challenges presented to the nation and upstate
New York by emerging labor market pressures and suggesting
ways in which employers and workers can respond to these
challenges to foster a smoother labor market adjustment and a
healthier economy.

Table 1

Syracuse

15.0

The Need for Replacements Created by Retirements
Although upstate New York has seen little net growth in the
number of jobs in recent years, the region will likely experience
a significant demand for workers to replace retirees. Given
current trends, we estimate that between 2000 and 2010, roughly
half a million upstate workers are likely to retire, a figure that will
rise to nearly 800,000 between 2010 and 2020.

Upstate New York

15.7

United States

15.1

We project retirement rates—the percentage of the workforce
likely to retire over a period of time—by occupation using the
Office of Management and Budget’s Standard Occupation
Classification System (see box for methodology).3 We use the
2002-12 period to coincide with the latest employment

Projected Retirement Rate, 2002-12
Percent

Metropolitan Statistical Area

Retirement Rate

Binghamton

16.4

Rochester

16.4

Utica

16.2

Buffalo

15.9

Albany

15.6

Sources: U.S. Bureau of the Census, Census 2000, Five Percent Public
Use Microdata Sample; Toosi (2004); author’s calculations.
Notes: The projected retirement rate is the cumulative number of workers
likely to leave the workforce over the 2002-12 period divided by the
number of workers in the 2002 workforce. See box for methodology.
Upstate New York refers to a total of fifty counties in New York State.
It does not include New York City; Dutchess, Orange, Putnam,
Rockland, and Westchester counties; and Nassau and Suffolk counties
on Long Island.

projections from the U.S. and New York State Departments of
Labor—critical information that we rely on later to project the
total number of workers likely to be needed by employers.
Projections of Retirement Rates
We project the number of workers likely to retire between 2002
and 2012.a The region’s population is held constant and each
person is aged forward from 2002 to 2012. We then use projections
of labor force participation rates by age group to determine the
number of workers over fifty-five who are likely to retire over
the period. To do this, we first separate workers into two age
groups: those who will be between fifty-five and sixty-five by
2012 and those who will be over sixty-five by 2012. For each age
group, we then calculate the ratio of the labor force participation
rate in 2002 relative to that in 2012, and apply this adjustment
factor to the age cohort to project the number of workers likely
to leave the labor force.b
Labor force participation rates are unavailable for occupations
generally, so we apply these factors equally to all occupations.
This approach ignores the fact that workers tend to retire later in
some occupations, such as management, and earlier in others,
such as production. It also assumes that workers stay in their
current occupations, and that no workers move into or out of the
region. Although these simplifying assumptions make such
projections imprecise, this method gives a rough, but reasonable,
indication of future retirements.
aProjections are based on U.S. Bureau of the Census, Census 2000,

Five Percent Public Use Microdata Sample.
bSee Toosi (2004).

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U P S TAT E N E W Y O R K R E G I O N A L R E V I E W

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According to our projections, roughly 15 percent of the
nation’s workforce will retire between 2002 and 2012, and a
somewhat higher 15.7 percent will retire in upstate New York
(Table 1). The area’s higher rate reflects an older and more
rapidly aging population, mostly attributable to the outmigration of younger workers.4 Each metropolitan area is
expected to have a higher retirement rate than that of the nation,
although there is variation. While the rate for Syracuse is close
to the nation’s, rates in Binghamton, Rochester, and Utica are
more than one percentage point higher than the national rate.
Retirement rates differ not only among regions, but also among
occupations, because certain jobs tend to be held more by older
workers than others. Some may simply require older workers with
more experience, while others may be more suitable for younger,
entry-level workers. Managers, for example, tend to be older than
retail clerks. In addition, the timing of hiring cycles can play a key
role in determining the age profile of occupations. For instance, if
many workers are hired to a certain occupation within a short
period of time, relatively few employees may be needed for
a number of years. This pattern may result from a hiring freeze, a
relatively common effect in the public sector. As time passes, the
percentage of older workers in that occupation will increase.
Furthermore, some occupations may be more attractive to older
workers, while others may be more appealing to younger staff.

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Table 2

Projected Retirement Rate for Selected Occupations, 2002-12
Percent

Occupation

Upstate
New York

United States

19.8

19.3

Management
Community and social services

19.2

19.0

Education, training, and library

18.9

18.1

Legal

18.3

16.6

Installation, maintenance, and repair

18.0

16.9

Health care support

13.5

14.0

Personal care and service (including tourism)

12.7

14.0

Computer and mathematical

11.0

10.0

7.8

8.4

15.7

15.1

Food preparation and serving related
Overall

Sources: U.S. Bureau of the Census, Census 2000, Five Percent Public
Use Microdata Sample; Toosi (2004); author’s calculations.
Notes: The projected retirement rate is the cumulative number of workers
likely to leave the workforce over the 2002-12 period divided by the
number of workers in the 2002 workforce. See box for methodology.
Upstate New York refers to a total of fifty counties in New York State.
It does not include New York City; Dutchess, Orange, Putnam,
Rockland, and Westchester counties; and Nassau and Suffolk counties
on Long Island.

A look at retirement rates in the United States and in upstate
New York indicates that the occupation with the highest projected
rate is management (Table 2). This result is not unexpected given
the occupation’s need for older, more experienced workers.
Community and social services—an occupation with many
public-sector workers, such as social workers and counselors—also
has a high retirement rate, likely tied in part to public-sector hiring
cycles and freezes. In addition, public-sector occupations tend to
have more job security and pensions tied to tenure. Both of these
conditions may create incentives for workers to stay longer,
reducing the normal turnover that tends to bring in younger
workers. Retirement rates are also relatively high for education,
training, and library; legal; and maintenance and repair
occupations. In contrast, rates are relatively low for food
preparation and serving, personal care and service, and health care
support occupations—all of which typically employ a large share
of younger, entry-level workers. Also having a low retirement rate
are computer and mathematical occupations, which are heavily
populated by young workers.
The need for new workers to replace retirees will be more
significant for occupations with higher retirement rates.
However, as economic activity shifts from manufacturing to
services, rapid growth in some sectors, such as health care, will
require still more workers, while the need to replace retirees in
the manufacturing sector will be dampened.

The Need for Workers owing to Restructuring Patterns
Even though the total number of jobs in upstate New York is
roughly the same today as it was in 1990, a significant restructuring
of the economy has shifted employment from manufacturing to
services (see chart). Employment in manufacturing and
distribution has fallen dramatically over the past fifteen years, while
jobs in services provided to consumers, such as education and
health care, have grown 25 percent. Employment in services
provided to businesses, such as finance and data processing, rose by
19 percent, but positions in locally provided goods and services,
such as retail, were flat. While the lack of expansion in locally
provided goods and services reflects a broad-based absence of
population growth upstate, several other key factors are driving the
decline in manufacturing employment and the gains in services
employment.
The decline in manufacturing can be traced in large part to
improvements in labor productivity and the expansion of
international trade. Productivity growth has allowed
manufacturers to reduce the amount of labor needed in the
production process. At the same time, the U.S. economy has
been more open to international trade, particularly with
countries that have access to relatively low labor costs. Increased
imports of manufactured goods have forced less competitive
domestic manufacturers to cut back production or cease
operations. The most labor-intensive processes also tend to be
the ones that are outsourced.5
These forces also explain why employment in many business
services has risen relative to manufacturing. While the United
States may be losing jobs to countries with low-cost labor—

Employment Growth by Industry for Upstate New York,
1990-2005
Consumer services

25.3

Producer services

18.9

Manufacturing and the
distribution of goods

-26.0

Locally provided goods
and services

0

Government

5.7

-30

-20

-10

0
Percent

10

20

30

Sources: U.S. Department of Labor; author’s calculations.
Notes: Consumer services includes education and health services, and leisure and
hospitality; producer services includes information, financial activities, and
professional and business services; manufacturing and the distribution of goods
includes manufacturing, wholesale trade, and transportation and utilities;
locally provided goods and services includes construction and mining, retail
trade, and other services. Upstate New York refers to a total of fifty counties in
New York State. It does not include New York City; Dutchess, Orange,
Putnam, Rockland, and Westchester counties; and Nassau and Suffolk counties
on Long Island.

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3

especially in relatively low-skilled manufacturing activity—the
nation has grown jobs in higher skilled business services sectors
where it has a competitive edge, such as product research, design,
and development; marketing and distribution; finance; and data
processing.6
The increase in consumer services employment can be traced
largely to two sources. First, as demographic trends drive up the
average age of the population, there is likely to be an increase in
the use of age-related services such as health care and social
services. At the same time, as a greater percentage of the
population retires, a larger demand will emerge for travel,
tourism, and other services related to recreation and leisure.
Second, economies such as the United States tend to consume
more services relative to goods as they grow wealthier. In
addition, consumer services provided locally and through
personal contact, such as health care and travel and tourism, are
less subject to international competition and displacement
through technology than are other segments of the economy,
increasing their relative employment shares.
These shifts in employment and economic activity among
industries create jobs in some occupations, but they reduce them
in others. The U.S. and New York State Departments of Labor
project growth rates of workers by occupation based on these
trends, the most recent of which cover the 2002-12 period.7
Table 3, which draws on these results, shows that in conjunction
with the rise in consumer services, the fastest growing
employment levels in upstate New York—and in the nation—are
expected in health care, community and social services, and
Table 3

Projected Employment Growth Rate for Selected Occupations,
2002-12
Percent
Upstate
New York

United States

Health care support

21.9

34.5

Community and social services

20.6

26.2

Personal care and service (including tourism)

18.0

20.6

Computer and mathematical

17.5

34.8

Education, training, and library

15.1

24.7

Health care practitioner and technical

Occupation

15.1

26.0

Architecture

3.5

14.2

Engineering

-0.5

8.1

Office and administrative support

-0.9

6.8

Production

-7.1

3.1

7.8

14.8

Overall

Source: U.S. and New York State Departments of Labor.
Note: Upstate New York refers to a total of fifty counties in New York
State. It does not include New York City; Dutchess, Orange, Putnam,
Rockland, and Westchester counties; and Nassau and Suffolk counties
on Long Island.

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U P S TAT E N E W Y O R K R E G I O N A L R E V I E W

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personal care and service occupations. These are all primarily
locally provided services with a significant amount of demand
created by an aging population. Relatively rapid employment
growth is also expected in computer and mathematical
occupations as well as in education, training, and library

In health care occupations,
retirements coupled with
strong growth are likely to
create a significant need for
replacement workers.
occupations. By comparison, regional declines are seen for office
and administrative support occupations, reflecting increases in
productivity caused by technology. Production and engineering
occupations, also projected to decline in the region, are among
the slowest growing for the nation as a whole. Because people in
these occupations (in particular, those engaged in industrial and
chemical engineering) work in the manufacturing industry, these
anticipated declines are associated with the fall in manufacturing
employment.
These shifts in the need for workers, together with
retirements, create a demand that varies significantly among
occupations. For example, even though the total number of
production jobs is projected to decline, retirees will likely create
a relatively small net demand for replacement workers. By
comparison, in health care occupations, retirements coupled with
strong growth are likely to create a significant need for
replacement workers. To project the demand for workers across
the spectrum of occupations, we now examine how these two
forces act in combination.
The Projected Demand for Workers
How might projected retirements and economic restructuring
affect the region’s labor market? We address this question by
projecting the hiring rate: the sum of the projected retirement rate
and the growth rate of the total number of workers needed for each
occupation.8 For example, for an occupation with 100 workers,
if the total number of workers needed is projected to grow by
10 percent and the number of workers projected to retire is
5 percent, the hiring rate would be 15 percent.
The higher the hiring rate, the greater is the need for workers.
Hiring rates in upstate New York’s occupations are consistently
below national rates (Table 4), reflecting the region’s significantly
slower economic growth. As our earlier results suggest, the
hiring rate is highest for occupations in locally provided

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Table 4

Projected Hiring Rate, 2002-12
Percent
Upstate New York
Occupation
Community and social services

Growth +
Rate

20.6

Retirement
Rate

United States

= Hiring
Rate

Growth
Rate

+

Retirement =
Rate

Hiring
Rate

19.2

39.8

26.2

19.0

45.2

Health care support

21.9

13.5

35.4

34.5

14.0

48.5

Education, training, and library

15.1

18.9

34.0

24.7

18.1

42.8

Health care practitioner and technical

15.1

16.9

32.0

26.0

16.3

42.3

Personal care and service (including tourism)

18.0

12.7

30.7

20.6

14.0

34.6

Building and grounds cleaning and maintenance

11.8

18.0

29.8

16.4

16.9

33.3

Management

9.0

19.8

28.8

12.1

19.3

31.4

Computer and mathematical

17.5

11.0

28.5

34.8

10.0

44.8

Legal

10.2

18.3

28.5

16.2

16.6

32.8

Construction and extraction

13.8

13.9

27.7

15.0

12.6

27.6

Business and financial operations

9.3

17.7

27.0

21.3

16.5

37.8

Installation, maintenance, and repair

9.5

16.2

25.7

13.6

14.7

28.3

Protective service

10.8

14.5

25.3

24.7

14.8

39.5

Arts, design, entertainment, sports, and media

9.6

14.6

24.2

16.5

14.3

30.8

Sales and related (including retail)

8.0

13.9

21.9

12.9

14.3

27.2

Transportation and material moving

5.1

16.5

21.6

13.1

14.9

28.0

Life, physical, and social science

7.2

13.7

20.9

17.2

14.6

31.8

Architecture

3.5

16.5

20.0

14.2

16.8

31.0

Food preparation and serving related

10.0

7.8

17.8

15.8

8.4

24.2

Engineering

-0.5

17.3

16.8

8.1

16.1

24.2

Office and administrative support

-0.9

16.6

15.7

6.8

15.3

22.1

Production

-7.1

16.5

9.4

3.1

15.4

18.5

Sources: U.S. Department of Labor; U.S. Bureau of the Census, Census 2000, Five Percent Public Use Microdata Sample; Toosi (2004);
author’s calculations.
Note: Upstate New York refers to a total of fifty counties in New York State. It does not include New York City; Dutchess, Orange, Putnam,
Rockland, and Westchester counties; and Nassau and Suffolk counties on Long Island.

consumer services, for both the United States and upstate
New York. The highest hiring rate upstate—40 percent between
2002 and 2012—is projected for community and social services
occupations, which include social workers, counselors, and
community organization workers. Approximately 20 percent of
that workforce is projected to retire and need replacement, while
another 20 percent will be needed to meet the growing demand
for these workers as activity expands in the region. The two
health care occupations—health care support, which includes
nursing and home health aides, and health care practitioners,
which includes doctors, nurses, and dentists—have rates of close
to 35 percent. The education, training, and library occupations
also have a relatively high 34 percent rate.
The hiring rate for management occupations, which have
the largest retirement rate, is projected to be slightly less than
30 percent, ranking relatively high. Personal care and service

occupations, along with building and grounds cleaning and
maintenance occupations, are also relatively high: above and just
below 30 percent, respectively.
In contrast, we project relatively low hiring rates for
engineering, office and administrative support, and production—
occupations in which the total number of workers is expected to
decline. However, retirement rates exceed 15 percent for each of
these occupations, and because the retirements outweigh the
decline in employment levels, the demand for workers will still
be positive. Hiring rates are expected to be relatively low in
occupations with slow growth, including food preparation and
serving related; architecture; life, physical, and social science;
transportation and material moving; and sales (including retail).
These hiring rates suggest that every occupation will have
some need for new workers. In particular, those with relatively

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5

strong hiring rates may experience difficulties finding workers.
The exact nature of these difficulties, however, cannot be
predicted easily because the number of new workers entering an
occupation is unknown. For example, while education, training,
and library as well as health care occupations have relatively high
hiring rates, an influx of new workers into these fields may fill
these needs. Alternatively, even though demand is low in
production occupations, if new workers are unwilling to enter
this field, employers may experience significant hiring
difficulties.
It is worth noting that projections of hiring rates provide only
a broad picture of the relative differences in the demand for
workers expected among occupations and the areas where labor
market pressures are likely to emerge. The rates are not, however,
estimates of where the labor market is expected to grow because
the economy will continue to undergo change as market forces
respond to these pressures.
Labor Market Adjustments
In the coming years, hiring needs in the nation and in upstate
New York may be much stronger in some occupations than in
others. As one might expect, market forces should mitigate
ensuing labor market pressures and balance supply and demand.
As workers become scarce in an occupation, wages will tend to
rise as employers compete for staff. Rising wages will attract
workers to these occupations as well as create incentives to work
more hours and delay retirement. These effects will likely
increase the supply of workers in occupations with strong hiring
needs. There are limits to this effect, though, because the higher
cost of workers will compel employers to substitute capital and
technology for labor and to outsource to other countries,
reducing their reliance on a more expensive domestic workforce.
Our hiring rate projections, while tentative, suggest that
employers will have unmet needs as these market adjustments
take place—needs that may persist if the adjustments take a
particularly long time. However, both employers and workers
can take measures to smooth the transition.
For example, employers can communicate their needs—
including which jobs they wish to fill and what skills are most
important—to workers and to organizations that train and
prepare them, such as educational and other institutions. This
effort can help workers acquire necessary skills and choose career
paths that will position them to fill the jobs in demand.
Employers will also need to be particularly strategic in their
recruitment and retention plans. They can offer favorable
working conditions, such as flexible scheduling and partial
retirement options, to entice workers to fill desired spots.
Responding to the need created by retirements is likely to
become critically important as baby-boomers exit the workforce
in greater numbers—a trend that will accelerate sharply as the
first baby-boomers turn sixty-five in 2012. The loss of workers
with critical experience and valuable institutional knowledge
may become pervasive. Employers can respond by creating

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incentives for workers to delay full retirement, training less
experienced workers to replace retirees, and developing an array
of approaches for succession planning.
Workers, for their part, will have to be flexible enough to
respond to the changing labor market by getting training
appropriate to employer needs, keeping abreast of evolving
employer demands, and being sufficiently versatile to move
between jobs as needs change. Significantly, retired workers
rejoining the labor market may become an increasingly higher
share of workers upon which employers can draw.
More specifically, in upstate New York, if employers do not
effectively respond to labor market pressures, the consequences
could be considerable. Employers in the region will be
competing with other parts of the country for workers, with no
certain outcome. In addition, workers in high demand may
choose other locations over upstate New York. However, if

Employers seeking workers in
services used by an aging
population and provided through
personal contact . . . are likely to
face the most significant labor
market challenges.
businesses take the appropriate measures to make employment
upstate more attractive to prospective employees, workers may
find local employment opportunities relatively favorable.
Conclusion
Upstate New York, like the nation, faces a demand for workers
to replace retirees and fill new jobs created by ongoing economic
restructuring. However, projected hiring rates for occupations in
upstate New York are consistently below the nation’s rates,
reflecting the region’s significantly slower economic growth and
its slightly higher retirement rates. Despite this gap with the
nation, hiring rate calculations for upstate New York still
suggest that every occupation will have some need for new
workers and that those occupations that do have relatively
strong hiring rates may experience difficulties finding workers.
In particular, employers seeking workers in services used by an
aging population and provided through personal contact—
including health care, community and social services, and
personal care and service—are likely to face the most significant
labor market challenges.
Moreover, the process of finding qualified workers could
become increasingly difficult as the need to replace retirees

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accelerates over the next several years, when baby-boomers begin
to exit the workforce. In fact, upstate New York may begin to
face labor market pressures in an environment of little overall
economic growth as it competes with other parts of the country
for key workers in high-demand occupations.

6. See Groshen, Hobijn, and McConnell (2005).
7. Projections are based on industry growth trends assuming the
economy expands at its long-run growth potential. They are not
predictions of expected labor market outcomes, but they represent broad
patterns of expected employment levels if demand for workers is met. In
particular, these projections do not consider changes in worker supply.

Accordingly, both employers and workers will have to plan
carefully to help the market respond to these emerging
challenges. Employers can do their part by communicating their
needs—including which jobs they want to fill and what skills are
most important—to workers and to educational and other
institutions that train and prepare staff. Workers can get the
appropriate training, keep abreast of changing workplace
demands, and be flexible enough to move between jobs as
employers’ needs evolve. These combined efforts can help
promote a healthy labor market adjustment in upstate New York.

8. The U.S. Department of Labor estimates what it terms “replacement”
needs, but this category is not analogous to our projections of the hiring
rate because the Labor Department measures gross flows of workers and
counts replacement needs even as workers move between occupations.
For example, two workers switching jobs counts as two replacement
needs by that measure.

References
Deitz, Richard. 2004. “Restructuring in the Manufacturing Workforce:
New York State and the Nation.” Federal Reserve Bank of New York
Regional Economy of Upstate New York, winter.
———. 2005. “Population Out-Migration from Upstate New York.”
Federal Reserve Bank of New York Regional Economy of Upstate New
York, winter.

The author thanks Feng Qian, who helped design the methodology for
projecting retirement rates.

Deitz, Richard, and James Orr. 2006. “A Leaner, More Skilled U.S.
Manufacturing Workforce.” Federal Reserve Bank of New York Current
Issues in Economics and Finance 12, no. 2 (February/March).

Notes
1. Figures are author’s calculations, based on data from the U.S. Bureau
of the Census, Census 2000, Five Percent Public Use Microdata
Sample.

Groshen, Erica, Bart Hobijn, and Margaret McConnell. 2005. “U.S.
Jobs Gained and Lost Through Trade: A Net Measure.” Federal
Reserve Bank of New York Current Issues in Economics and Finance 11,
no. 8 (August).

2. See Deitz (2005).
3. The classification system includes twenty-three broad occupational
groups. In our analysis, we exclude military-specific occupations and
farming, fishing, and forestry occupations as well as separate
architecture and engineering occupations into two groups, yielding a
total of twenty-two categories.
Our method assumes that workers do not move between
occupations, a necessary but simplifying rationale for making
projections.

Toosi, Mitra. 2004. “Labor Force Projections to 2012: The Graying of
the U.S. Workforce.” Bureau of Labor Statistics Monthly Labor Review,
February.

About the Author
Richard Deitz is a senior economist at the Buffalo Branch of the
Federal Reserve Bank of New York.

4. See Deitz (2005).
5. See Deitz and Orr (2006) and Deitz (2004).

Buffalo Branch ● Federal Reserve Bank of New York
40 Fountain P laz a , S uite 650 ● Buffalo, N Y 14202
www.ne wyorkf ed.org/buffalo

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Tel: (716) 849-5019

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Fax: (716) 849-5021

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Kausar Hamdani, Ph.D., Vice President and Branch Manager, kausar.hamdani@ny.frb.org
Richard Deitz, Ph.D., Senior Economist, richard.deitz@ny.frb.org
Katie Krawczyk, Communications and Public Relations Specialist, katie.krawczyk@ny.frb.org

The views expressed in this article are those of the author and do not necessarily reflect the position of the
Federal Reserve Bank of New York or the Federal Reserve System.
www.newyorkfed.org/research/regional_economy/upstatenews.html

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