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BC-US--Gays-Tough Retirement ADVISORY, US

November 28, 2014

Editors:

The Associated Press is offering a story about the unique financial challenges gay and lesbian Americans face in retirement. The story — GAYS-TOUGH RETIREMENT — has moved in advance for use in newspapers Monday, Dec. 1, and thereafter. It will go live online at noon Eastern time Sunday, Nov. 30.

The story includes exclusive data, interviews with gay boomers, and details about how state bans on gay marriage prevent spouses from collecting full Social Security survivor benefits. Accompanying the text are video, photos, and a graphic. An abridged version of the story will also move.

For questions, please email KSweet@ap.org. or DBrinkerhoff@ap.org

The AP

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GAYS-TOUGH RETIREMENT

NEW YORK — For Kathy Murphy, the difference between being gay or straight is $583 a month. Retirement should have been a “slam dunk,” the 62-year-old Texas widow says. She saved, bought a house with her spouse and has a pension through her employer. But Murphy is missing out on thousands of dollars a year in Social Security benefits because she was married to a woman, not a man. While baby boomers overall are not ready to stop working, gay boomers face challenges that make them even more vulnerable. By Business Writer Ken Sweet. 1,920 words. Photos. Video. Graphic.

With:

— GAYS-TOUGH RETIREMENT-ABRIDGED (899 words)

— GAY RETIREMENT-FINANCIAL TIPS (525 words)

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