Curriculum vitae.

Academic appointments and visiting positions

2020–Present: Full Professor, Department of Financial Economics and Actuarial Science, University of Valencia, Spain.

Subjects Taught: Financial mathematics, social security techniques, life insurance, pension schemes, health insurance, and long-term care insurance.

2014–2024: Visiting Professor, University of Alcalá, Madrid, Spain.

Program: Master in Actuarial Sciences.

Subject: Social security techniques.

July 2014: Short Visiting Professor, Università Degli Studi Di Sassari, Department of Economic and Business Sciences, Italy.

2010–2017: Visiting Professor, Complutense University of Madrid, Spain.

Program: Master in Quantitative Finance and Banking.

Subjects: Social security techniques and pension schemes.

September–December 2010: Visiting Research Senior Fellow, Institute for Public Policy & Management, Keele University, Staffordshire, United Kingdom.

2002–2018: Visiting Professor, University of Castilla-La Mancha, Spain.

Program: Master in Banking and Finance.

Subjects: Pension schemes and taxation.

1996–2020: Associate Professor, Department of Financial Economics and Actuarial Science, University of Valencia, Spain.

Subjects Taught: Financial mathematics, social security techniques, life insurance, pension schemes, health insurance, and long-term care insurance.

Note: Accredited as a Full Professor by ANECA on October 9, 2019.

1992–1996: Assistant Professor, Department of Financial Economics and Actuarial Science, University of Valencia, Spain.

Subjects Taught: Financial mathematics, actuarial mathematics, life insurance.

1992–1993: Visiting Research Senior Fellow, Department of Financial Economics, Complutense University of Madrid, Spain.

1988–1992: Part-time Professor, Department of Accountancy, University of Valencia, Spain.

Subjects Taught: Financial accounting and cost accounting.

Education

1. Ph.D. in Economics, University of Valencia (Spain), 1994.

Major Fields: Annuities, Disability, Long-Term Care, Pensions, Retirement, Social Security.

Minor Fields: Taxation, Latin America.

2. B.A. in Actuarial Sciences, Complutense University of Madrid (Spain), 1992

3. B.A. in Business, University of Valencia (Spain), 1987.

4.-First cycle in Business, University of Valencia (Spain), 1985.

Major Fields: Annuities, Disability, Long-Term Care, Pensions, Retirement, Social Security.

Minor Fields: Taxation, Latin America.

Research grants and contracts

Research grants (From 2006 onwards):

2025–2029 Generalitat Valenciana (Spain), PROMETEO Programme. Project CIPROM/2024/075. El moderno derecho del Seguro. Heads of research: Juan Bataller Grau and Mª Luisa Atienza Navarro.

2022-2025 Gobierno Vasco (Spain), “BiRTE (Bilbao Research Team in Economics)” Head of research Aitor Ciarreta-Antuñano. (Basque Country University). Project IT1461-22.

2022-2023 Fundación Mapfre Modelización espacial e intra-anual de la mortalidad en España. Una herramienta automática para el cálculo de productos de vida. Head of research José Manuel Pavía. (University of Valencia).

2019-2020 Gobierno Vasco (Spain), “BiRTE (Bilbao Research Team in Economics)” Head of research Aitor Ciarreta-Antuñano. (Basque Country University). Project ITI 336-19

2019-2020 Generalidad Valenciana (Spain), “El derecho del seguro en la sociedad del bienestar del s.XXI: la persona como elemento central” Head of research Juan Bataller-Grau. (University of Valencia). Project AICO/2019/075

2019-2019 Ministerio de Ciencia, Innovación y Universidades (Spain), “El derecho del seguro en la sociedad del bienestar del s.XXI: la persona como elemento central” Head of research Juan Bataller-Grau. (University of Valencia). Project RTI2018-097087-B-I0

2013-2019 The Spanish Ministry of the Economy and Competitiveness (Spain), “Empirical Finance” Head of research Juan Nave-Pineda. (University of Castilla La Mancha). Project ECO2015-65826-P

2013-2016 The Spanish Ministry of the Economy and Competitiveness (Spain), “Empirical Finance” Head of research Juan Nave-Pineda. (University of Castilla La Mancha). Project ECO2012-36685

2010-2011 The Ministry of Labour and Inmigration (Spain), “A Proposal for Improving the External and Internal Information of the Spanish Public Pension System” Head of research Carlos Vidal-Meliá. Project Fipros 2010/27

2010-2013 The Ministry of Science and Innovation (Spain), “The Rate of Interest and the Empirical Finance” Head of research Juan Nave-Pineda. (University CEU-San Pablo at Valencia). Project ECO2009-13616

2007 The Valencian Institute for Economic Research (IVIE) and The Swedish Social Security Agency (Försäkringskassan). “The Actuarial Balance as an Indicator of Solvency of the Pay-As-You-Go System” Head of research: Carlos Vidal-Meliá.

2006-2009 The Ministry of Education and Science (Spain), “Financial models and the rate of interest” Head of research: Juan Nave-Pineda. University CEU-San Pablo at Valencia). Project SEJ2006-0505

2006-2007 The Ministry of Labour and Immigration (Spain), “Improving the Equity, and Sustainability of Pay-As-You-Go Pension Systems by means of NDCs” Head of research: Inmaculada Domínguez-Fabián (University of Extremadura).

Contracts (Article 83 LRU and 60 LOSU)

Professional experience

1992-present: Independent Consultancy-Actuary,Consultant in the field of pension commitments and pension schemes to the following firms (in alphabetical order):

ASEVAL (1998-2013) (Private Life Insurance Company).

BIA Galicia/CXG Aviva (2003-2013) (Private Life Insurance Company).

Cámara Valencia (2002-2003). (Offering services to businesses, in particular small and medium-sized enterprises, and promoting the economic development within the local vicinity, Valencia)

Ford España S.A. (2003-2007). (Car Manufacturer).

Getronics S.A. (2005). (Information and communication technology solutions and services provider).

Grupo Aguas de Valencia. (2002-2004). (Main activities: Supplying drinking water to municipalities, sewage piping for disposal and treatment of wastewater and supplying water for agricultural use).

Grupo Boluda S.A. (2006-2008). (Shipping sector, company group with a number of different business divisions covering harbour towage, off-shore, marine salvage, marine transport of goods, shipbuilding and repair, tanker transport and supply of hydrocarbon fuels, operation of cargo terminals, shipping and forwarding agency).

Iberdrola S.A. (2005). (The largest private electricity firm in Spain).

MARVALSA (2011), the firm operates the biggest Container Terminal in the Port of Valencia, last port of call for export westbound in the Mediterranean area.

PHILIPS (Euroservice, Asistencia Técnica S.A.). (2008-2009) (Main activity: Servicing and repairs).

Unión Naval de Barcelona S.A. (2007) (The main activity is the repair and conversion of vessels).

Universities of  Jaume I, Jaen, UCLM, La Rioja, Pablo de Olavide and Extremadura (2011-present) (Pension benefit commitments).

BANKIA (2014-2021) (Financial-actuarial reviews of pension plans.)

Vidacaixa (2022-present) (Financial-actuarial reviews of pension plans.)

Santander Pensiones (2016-present) (Financial-actuarial reviews of pension plans.)

1985-1992: Controller, Federico Domenech S.A., (Multimedia (regional) group of companies).

Publications, research data, software and book chapters

52.- Ación Lopez, A, & Vidal-Meliá, C. (2026). Impacts of Industry 4.0 Technologies on Pension Systems: A Scoping Review. International Social Security Review, conditionally accepted (11-08-26)

51.- Bataller Grau, J., & Vidal-Meliá, C. (2026). Lawfulness of divorce insurance in European Union. In P. Marano (Ed.), Research Handbook on EU Insurance Law and Regulation. Cheltenham: Edward Elgar Publishing. (In Press)

50a-Vidal-Meliá, C., & Ación López, A. (2026). High ex post actuarial returns, modest benefits? Disability grade, sex and age at award in Spanish permanent-disability pensions, 2015–2023. Economies, 14(10), 474. https://doi.org/10.3390/economies14100474

50b-Vidal-Meliá, C., & Ación López, A. (2026). Replication package for High Ex Post Actuarial Returns, Modest Benefits? Disability Grade, Sex and Age at Award in Spanish Permanent-Disability Pensions, 2015–2023 (Versión v08) [Computer Software]. Zenodo. https://doi.org/10.5281/zenodo.23100256

49b.- Ación López, A., & Vidal-Meliá, C. (2026). Replication package for delayed-retirement incentives in Spain: Lump-sum commutation and actuarial neutrality (Version 1.0.0) [Computer software]. Zenodo. https://doi.org/10.5281/zenodo.22798797

48a.- Vidal-Meliá, C. (2026). Divorce insurance: A simulation-based framework for short-term financial protection in marital dissolution. Advanced online publication. Family Transitions. https://doi.org/10.1080/28375300.2026.2724728

48b.-Vidal-Meliá, C. (2026). Reproducibility package for "Divorce Insurance: A Simulation-Based Framework for Short-Term Financial Protection in Marital Dissolution" [Dataset]. In Family Transitions (Version 1.0.1). Zenodo. https://doi.org/10.5281/zenodo.21995095

47.- Bataller-Grau, J., & Vidal-Meliá, C. (2026). When fictional imagination meets divorce insurance: Feasibility, safeguards, and family outcomes. Humanities and Social Sciences Communications. 13, Article number: 1262. https://doi.org/10.1057/s41599-026-07654-6

46.- Vidal-Meliá, C., Regúlez Castillo, M., & Pérez-Salamero González, J. M. (2025). Income Inequalities in Longevity Among Spanish Retirement Pensioners aged 65+: A Comprehensive Analysis from 2008 to 2021. International Social Security Review, 78 (4), 53-78 https://doi.org/10.1111/issr.70014

45.- Castañer, A., Garvey, A. M., Pérez-Salamero González, J. M., & Vidal-Meliá, C. (2025). Transforming Eurostat’s Table 29 into an Actuarial Balance Sheet: A Net Worth Approach to Assessing Public Pension Solvency. Journal of Risk and Financial Management, 18(9), 528. https://doi.org/10.3390/jrfm18090528

44.- Bataller Grau, J., & Vidal-Meliá, C. (2025). El seguro de divorcio como seguro de sumas: una propuesta desde el Derecho español. Revista de Derecho del Sistema Financiero: mercados, operadores y contratos ISSN 2695-9534, ISSN-e 2695-9569, Nº. 10, 2025. https://dialnet.unirioja.es/servlet/articulo?codigo=10468587

43.-Vidal-Meliá, C., Ventura-Marco, M., & Garvey, A. (2024). Analyzing the demographic coherence of selected US, Australian and Chinese biometric data sets used to price long-term care insurance and life care annuities. Quality & Quantity, 58, 2813–2836. https://doi.org/10.1007/s11135-023-01782-w

42.-Ventura-Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2023). Joint life care annuities to help retired couples to finance the cost of long-term care. Insurance: Mathematics and Economics, 113, 122-139. https://doi.org/10.1016/j.insmatheco.2023.08.002

41.-Garvey, A., Pérez-Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2023). Transforming the supplementary table on pension liabilities (table 29) into an actuarial balance sheet. Public Money and Management, 43(8), 782-793. https://doi.org/10.1080/09540962.2022.2144362

40.-Pérez-Salamero González, J. M., Regúlez Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2022). Mortality and life expectancy trends in Spain by pension income level for male pensioners in the general regime retiring at the statutory age, 2005-2018. International Journal for Equity in Health, 21(96), 1-21. https://doi.org/10.1186/s12939-022-01697-2

39.-Garvey, A. M., Pérez-Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2022). Improving decision-making information: “Table 29” to an actuarial balance sheet. In M. Corazza, C. Perna, C. Pizzi, & M. Sibillo (Eds.), Mathematical and statistical methods for actuarial sciences and finance (pp. 477–484). Springer, Cham. https://doi.org/10.1007/978-3-030-99638-3_46

38.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2021). Differences in life expectancy between self-employed workers and paid employees when retirement pensioners: Evidence from Spanish social security records. European Journal of Population, 37(3), 697-725. https://doi.org/10.1007/s10680-021-09585-1

37.-Garvey, A. M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). The importance of reporting a pension system’s income statement and budgeted variances in a fair and sustainable scheme. In M. Corazza, M. Gilli, C. Perna, C. Pizzi, & M. Sibillo (Eds.), Mathematical and statistical methods for actuarial sciences and finance (pp. 275–282). Springer, Cham. https://doi.org/10.1007/978-3-030-78965-7_34

36.-Garvey, A. M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). Does the pension system’s income statement really matter? A proposal for an NDC scheme with disability and minimum pension benefits. Economic Research-Ekonomska Istraživanja, 34(1), 292-310. https://doi.org/10.1080/1331677X.2020.1782246

35.-Núñez-Antón, V., Pérez-Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2020). Improving the representativeness of a simple random sample: An optimization model and its application to the Continuous Sample of Working Lives. Mathematics, 8(8), 1225. https://doi.org/10.3390/math8081225

34.-Vidal-Meliá, C., Ventura-Marco, M., & Pla-Porcel, J. (2020). An NDC approach to helping pensioners cope with the cost of long-term care. Journal of Pension Economics and Finance, 19(1), 80-108. https://doi.org/10.1017/S1474747218000070

33.-Vidal-Meliá, C., Ventura-Marco, M., & Pla-Porcel, J. (2019). Unisex life care annuities embedded in a pay-as-you-go pension system: Analysing the issue of gender redistribution. Journal of Population Ageing, 12(4), 405-426. https://doi.org/10.1007/s12062-018-9229-3

32.-Nuñez-Antón, V., Pérez-Salamero, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2019). Automatic regrouping of strata in the Goodness-of-Fit chi-square test. SORT (Statistics and Operations Research Transactions), 43(1), 113-142. https://doi.org/10.2436/20.8080.02.83

31.-Vidal-Meliá, C., Ventura-Marco, M., & Pérez-Salamero, J. M. (2018). Social insurance accounting for a notional defined contribution scheme combining retirement and long-term care benefits. Sustainability, 10(8), 2832. https://doi.org/10.3390/su10082832

30.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2017). Converting retirement benefit into a life care annuity with graded benefits. Scandinavian Actuarial Journal, 2017(10), 829-853. https://doi.org/10.1080/03461238.2016.1258370

29.-Pérez-Salamero, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2017). A “Swedish” actuarial balance for a notional defined contribution pension scheme with disability and minimum pension benefits. International Social Security Review, 70(3), 79-104. https://doi.org/10.1111/issr.12143

28.-Castañer-Garriga, A., Pérez-Salamero González, J. M., & Vidal-Meliá, C. (2017). Evaluación de las tarifas de las pensiones de Accidentes de Trabajo y Enfermedades Profesionales (2011-2015). Innovar Journal, 27(66), 153-167. https://doi.org/10.15446/innovar.v27n66.66810

27.-Pérez-Salamero, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2017). The Continuous Sample of Working Lives: improving its representativeness. SERIEs (Journal of the Spanish Economic Association), 8(1), 43-95. https://doi.org/10.1007/s13209-017-0154-0

26.-Pérez-Salamero, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2016). Análisis de la representatividad de la MCVL: el caso de las prestaciones del sistema público de pensiones. Hacienda Pública Española (Review of Public Economics), 217(2), 67-130. https://doi.org/10.7866/HPE-RPE.16.2.3

25.-Vidal-Meliá, C., Boado-Penas, M. del C., & Navarro-Cabo, F. (2016). Notional defined contribution pension schemes: Why does only Sweden distribute the survivor dividend? Journal of Economic Policy Reform, 19(3), 200-220. https://doi.org/10.1080/17487870.2015.1028547

24.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2016). Life Care Annuities (LCA) Embedded in a Notional Defined Contribution (NDC) Framework. ASTIN Bulletin, 46(2), 331-363. https://doi.org/10.1017/asb.2015.27

23.-Ventura-Marco, M., & Vidal-Meliá, C. (2016). Integrating retirement and permanent disability in NDC pension schemes. Applied Economics, 48(12), 1081-1102. https://doi.org/10.1080/00036846.2015.1093084

22.-Ventura-Marco, M., & Vidal-Meliá, C. (2014). An Actuarial Balance Sheet Model for Defined Benefit Pay-As-You-Go Pension Systems with Disability and Retirement Contingencies. ASTIN Bulletin, 44(2), 367-415. https://doi.org/10.1017/asb.2014.5

21.-Vidal-Meliá, C. (2014). An Assessment of the 2011 Spanish Pension Reform Using the Swedish System as Benchmark. Journal of Pension Economics and Finance, 13(3), 297-333. https://doi.org/10.1017/S1474747213000383

20.-Boado-Penas, M. del C., & Vidal-Meliá, C. (2014). Nonfinancial defined contribution pension schemes: is a survivor dividend necessary to make the system balanced? Applied Economics Letters, 21(4), 242-247. https://doi.org/10.1080/13504851.2013.851767

19.-Vidal-Meliá, C., & Boado-Penas, M. del C. (2013). Compiling the actuarial balance for pay-as-you-go pension systems. Is it better to use the hidden asset or the contribution asset? Applied Economics, 45(10), 1303-1320. https://doi.org/10.1080/00036846.2011.615733

18.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2012). Individual information for pension contributions: Recommendations for Spain based on international experiences. International Social Security Review, 65(2), 1-27. https://doi.org/10.1111/j.1468-246X.2012.001426.x

17.-Boado-Penas, M. del C., & Vidal-Meliá, C. (2012). The Actuarial Balance of the Pay-As-You-Go Pension System: the Swedish NDC model versus the US DB model. In R. Holzmann, E. Palmer, & D. Robalino (Eds.), NDC Pension Schemes in a Changing Pension World, Vol. 2, 443-489. Washington, D.C.: The World Bank. https://doi.org/10.1596/978-0-8213-9478-6

16.-Boado-Penas, M. del C., & Vidal-Meliá, C. (2012). Discussion: Chile – Assessing Fiscal Costs and Pension Distribution in Transitions to Defined Contribution Systems: A Retrospective Analysis for Chile. In R. Holzmann, E. Palmer, & D. Robalino (Eds.), NDC Pension Schemes in a Changing Pension World, Vol. 1, 316-319. Washington, D.C.: The World Bank. https://doi.org/10.1596/978-0-8213-8848-8

15.-Boado-Penas, M. del C., Settergren, O., & Vidal-Meliá, C. (2011). El Balance actuarial del Sistema de reparto. Modelo 'Sueco' frente a modelo 'EE.UU.': Posible aplicación al caso español. Revista Española de Financiación y Contabilidad, 40(149), 97-123. https://doi.org/10.1080/02102412.2011.10779699

14.-Vidal-Meliá, C., Boado-Penas, M. del C., & Settergren, O. (2010). Instruments for improving the equity, transparency and solvency of pay-as-you-go pension systems: NDCs, ABs and ABMs. In M. Micocci, G. Masala, & G. N. Gregoriou (Eds.), Pension Fund Risk Management – Financial and Actuarial Modeling (pp. 419-472). Chapman & Hall/CRC Finance Series.

13.-Vidal-Meliá, C., Boado-Penas, M. del C., & Settergren, O. (2009). Automatic Balance Mechanisms in Pay-As-You-Go Pension Systems. The Geneva Papers on Risk and Insurance: Issues and Practice, 34(2), 287-317. https://doi.org/10.1057/gpp.2009.2

12.-Boado-Penas, M. del C., Valdés-Prieto, S., & Vidal-Meliá, C. (2008). An Actuarial Balance Sheet for Pay-As-You-Go Finance: Solvency Indicators for Spain and Sweden. Fiscal Studies, 29(1), 89-134. https://doi.org/10.1111/j.1475-5890.2008.00070.x

11.-Boado-Penas, M. del C., Domínguez-Fabián, I., & Vidal-Meliá, C. (2007). Notional Defined Contribution Accounts (Ndcs): Solvency and Risk, Application to the Case of Spain. International Social Security Review, 60(4), 105-127. https://doi.org/10.1111/j.1468-246X.2007.00282.x

10.-Vidal-Meliá, C., Domínguez-Fabián, I., & Devesa-Carpio, J. E. (2006). Subjective Economic Risk to Beneficiaries in Notional Defined Contribution Accounts (NDC’s). The Journal of Risk and Insurance, 73(3), 489-515. https://doi.org/10.1111/j.1539-6975.2006.00185.x

9.-Vidal-Meliá, C., & Lejárraga-García, A. (2006). Demand for life annuities from married couples with a bequest motive. Journal of Pensions Economics and Finance, 5(2), 197-229. https://doi.org/10.1017/S1474747205002349

8.-Vidal-Meliá, C., & Domínguez-Fabián, I. (2006). The Spanish Pension System: Issues of Introducing Notional Defined Contribution Accounts. In R. Holzmann & E. Palmer (Eds.), Non-Financial Defined Contribution (NDC) Pension Schemes: Concept, Issues, Implementation, Prospects (pp. 611-637). Washington D.C.: The World Bank.

7.-Vidal-Meliá, C., Lejárraga-García, A., & Devesa-Carpio, J. E. (2005). Defined Contribution Pensions, Married Couples, and the Annuity Puzzle. Revista de Economía Financiera, 7, 8-37.

6.-Vidal-Meliá, C., & Lejárraga-García, A. (2004). The bequest motive and single people’s demand for life annuities. Belgian Actuarial Bulletin, 4(2), 5-18.

5.-Devesa-Carpio, J. E., & Vidal-Meliá, C. (2004). Cuentas nocionales de aportación definida (NDC’s). ¿Cuál hubiera sido el efecto de su implantación en el sistema de pensiones español? Moneda y Crédito, 219, 101-142.

4.-Devesa-Carpio, J. E., Rodríguez-Barrera, R., & Vidal-Meliá, C. (2003). Costes de Administración para el afiliado en los sistemas de cuentas individuales de capitalización: Medida y comparación internacional. Revista Española de Financiación y Contabilidad, 32(116), 116-144. https://doi.org/10.1080/02102412.2003.10779485

3.-Lejárraga-García, A., Vidal-Meliá, C., & Devesa-Carpio, J. E. (2002). Regulación de las modalidades de pensión en los sistemas de capitalización de América Latina. Revista de Análisis Económico, 17(2), 49-94.

2.-Devesa-Carpio, J. E., Lejárraga-García, A., & Vidal-Meliá, C. (2002). El tanto de rendimiento del sistema de pensiones de reparto. Revista de Economía Aplicada, 10(30), 109-132.

1.-Devesa-Carpio, J. E., & Vidal-Meliá, C. (2001). Current Status and Provisional Assessment of Reformed Pensions Systems in Latin America. World Bank Pension Reform Primer, 1-72. Washington D.C.: The World Bank.

Other publications

31.-Garvey, A., Ventura-Marco, M., & Vidal-Meliá, C. (2020). An income statement proposal for an NDC scheme with disability using specific longevity values and minimum pension benefits. In I Edición Premios Longevia BBVA: Resolviendo los retos del envejecimiento poblacional en España (pp. 179-233). Madrid.

30.-Vidal-Meliá, C. (2017). La tributación diferida (TD) en los sistemas de Previsión Social Complementaria (PSC) en España. Noticias de Política Económica, 16, 19-22.

29.-Vidal-Meliá, C. (2016). Sistemas de pensiones basados en Cuentas Nocionales de Aportación Definida (Non-Financial Defined Contribution Pension Schemes). Noticias de Política Económica, 12, 14-16.

28.-Ventura-Marco, M., & Vidal-Meliá, C. (2015). An Integrated Notional Defined Contribution (NDC) Model with Retirement and Permanent Disability. Scor Papers, 32.

27.-Vidal-Meliá, C. (2014). Una storia infinita (The 2011-2013 Spanish pension reform: a never-ending story). Opificium, Revista Consiglio Nazionale Periti Industriali, 5(4), 38-41.

26.-Ventura-Marco, M., & Vidal-Meliá, C. (2013). Un modelo de balance actuarial para sistemas de pensiones DB PAYG con dos contingencias. Anales de ASEPUMA, 18, 1-22.

25.-García-García, M., & Vidal-Meliá, C. (2012). ¿Está justificada la reforma del sistema público de pensiones español realizada en 2011 desde el punto de vista actuarial? Anales del Instituto de Actuarios, 18, 171-216.

24.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2012). Individuelle Altersrenteninformationen für Beitragszahler: Empfehlungen für Spanien auf der Grundlage internationaler Erfahrungen. Internationale Revue für Soziale Sicherheit, 65(2), 1-31.

23.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2012). Informer les cotisants des régimes de pension: recommandations pour l’Espagne à la lumière de l’expérience internationale. Revue internationale de sécurité sociale, 65(2), 1-30.

22.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2012). La información individual para el cotizante: algunas recomendaciones para el caso español a partir de la experiencia internacional. Revista Internacional de Seguridad Social, 65(2), 1-29.

21.-Vidal-Meliá, C., García-García, M., & Regúlez-Castillo, M. (2011). La información global e individual del sistema español de seguridad social: propuestas para su mejora. Ministerio de Empleo y Seguridad Social, Secretaría de Estado de Seguridad Social.

20.-Vidal-Meliá, C., Boado-Penas, M. del C., & Settergren, O. (2009). ¿Puede el análisis actuarial (NDCs, BAs y MFAs) mejorar el sistema de pensiones de reparto? Revista Ibero-Latinoamericana de Seguros, 18(31), 109-163.

19.-Vidal-Meliá, C., & Boado-Penas, M. del C. (2009). El Balance Actuarial del Sistema de Reparto. Modelo “Sueco” versus “Americano”. In M. Guillén (Ed.), Investigación en Seguros y gestión de Riesgos (pp. 731-762). Fundación Mapfre.

18.-Vidal-Meliá, C., & Domínguez-Fabián, I. (2008). La posibilidad de introducir cuentas nocionales de aportación definida en el sistema de pensiones de jubilación español. In R. Holzmann, E. Palmer, & A. Uthoff (Eds.), Fortalecer los sistemas de pensiones latinoamericanos: Cuentas individuales por reparto (pp. 607-647). Bogotá: Mayol Ediciones.

17.-Boado-Penas, M. del C., & Vidal-Meliá, C. (2008). El balance actuarial como indicador de la solvencia del sistema de reparto. Actualidad Aseguradora (suplemento 20), BISS 5-46.

16.-Boado-Penas, M. del C., Domínguez-Fabián, I., & Vidal-Meliá, C. (2007). Fiktive Konten im Festbeitragssystem (NDC): Zahlungsfähigkeit und Risiken in Spanien. Internationale Revue für Soziale Sicherheit, 60(4), 117–141.

11.-Boado-Penas, M. del C., Domínguez-Fabián, I., & Vidal-Meliá, C. (2007). Comptes fictifs à cotisation définie (NDC): solvabilité et risque en Espagne. Revue Internationale de Sécurité Sociale, 60(4), 111–135.

14.-Boado-Penas, M. del C., Domínguez-Fabián, I., & Vidal-Meliá, C. (2007). Cuentas nocionales de aportación definida (NDC): solvencia y riesgo, aplicación al caso español. Revista Internacional de Seguridad Social, 60(4), 117–140.

13.-Boado-Penas, M. del C., Domínguez-Fabián, I., Valdés-Prieto, S., & Vidal-Meliá, C. (2007). Mejora de la equidad y sostenibilidad financiera del sistema público español de pensiones de jubilación mediante el empleo de cuentas nocionales de aportación definida (NDCs). Documentos Fipros, Ministerio de Trabajo y Asuntos Sociales.

12.-Vidal-Meliá, C., & Domínguez-Fabián, I. (2007). Das spanische Rentensystem. In R. Holzmann & E. Palmer (Eds.), Revolution in der Alterssicherung: Beitragskonten auf Umlagebasis (pp. 755-793). Frankfurt/New York: European Centre for Social Welfare Policy and Research.

11.-Devesa-Carpio, J. E., Vidal-Meliá, C., & Lejárraga-García, A. (2004). Cuentas nocionales de aportación definida: fundamento actuarial y aspectos aplicados. Anales del Instituto de Actuarios de España, 8, 137-186.

10.-Vidal-Meliá, C., Lejárraga-García, A., & Devesa-Carpio, J. E. (2003). Modalidades de pensión y jubilación en la pareja. In J. M. Barreiro (Ed.), Gestión Científica Empresarial (pp. 293-305). Netbiblo.

9.-Devesa Carpio, J. E., & Vidal-Meliá, C. (1999). Planes de pensiones individuales y sobreimposición. Revista Europea de Dirección y Economía de la Empresa, 8(4), 135-148.

8.-Devesa Carpio, J. E., & Vidal-Meliá, C. (1999). Perfil de salarios y riesgo impositivo. Actualidad Financiera, IV(2), 37-47.

7.-Devesa, J. E., & Vidal-Meliá, C. (1997). Estrategias individuales de ahorro-pensión y perfiles de ingresos. Revista Española de Financiación y Contabilidad - Spanish Journal of Finance and Accounting, XXVI(90), 167-195.

6.-Devesa Carpio, J. E., Devesa Carpio, M., & Vidal-Meliá, C. (1997). Viabilidad de los planes de prejubilación. Dirección y Organización, 18(2), 5-13.

5.-Jordá Durá, M. P., & Vidal-Meliá, C. (1995). Planes de pensiones para las pymes. Dirección y Organización, 13(1), 43-52.

4.-Devesa, J. E., & Vidal-Meliá, C. (1995). Liquidez en los planes de pensiones individuales y refugio fiscal temporal. Análisis Financiero, 65, 90-103.

3.-Jordá Durá, M. P., & Vidal-Meliá, C. (1995). Penalización fiscal variable y liquidez en los planes de pensiones individuales. Revista Europea de Dirección y Economía de la Empresa, 4(1), 107-114.

2.-Vidal-Meliá, C. (1994). La necesidad de reformar los planes de pensiones. Tribuna Fiscal, 50, 48-57.

1.-Vidal-Meliá, C. (1993). Un modelo financiero para valorar el ahorro fiscal de los planes de pensiones individuales. Tribuna Fiscal, 33, 71-78.

Work in progress

1.- Operationalizing Relational Heterogeneity in Divorce-Risk Modeling: A Simulation and Pricing Framework

Actuarial models of marital dissolution generally rely on structural predictors and give limited attention to relationship-process heterogeneity. This methodological proof of concept combines a structural divorce-risk baseline with two simulated relational specifications through an exposure-weighted adjustment that preserves annual BASE expected divorce exits. The only observed divorce input is the 2024 U.S. refined divorce rate; couples, relational measures, events, and product values are simulated, while biological survival uses U.S. Social Security Administration cohort tables. Relational heterogeneity leaves portfolio means broadly stable but widens risk and premium distributions, changes couple-level rankings, and alters alive-and-married persistence. The full and parsimonious specifications are close in aggregate yet non-equivalent for individual classification. Basic DI and hybrid return-of-premium or fixed final-benefit designs translate the redistribution differently. MLI produces a distinct rather than inverse ranking because its liability also depends on joint biological survival. The framework establishes internal actuarial coherence, not empirical or commercial validity; longitudinal validation and appropriate governance remain necessary.

2.- Beyond Old-Age Pensions: A Coherence Framework for Extending NDC Principles to Disability, Long-Term Care, and Survivor Protection

Non-financial defined contribution (NDC) systems are conventionally associated with old-age pensions. Their potential relevance to other social-insurance contingencies, however, extends beyond the direct application of an individual account and an annuity divisor. This paper examines how the principles underlying NDC schemes can be related to disability, long-term care (LTC) and survivor protection, and identifies which elements are portable, which require adaptation and which should remain institutionally separate. It develops a comparative coherence framework centred on transparent resource attribution, contingency-specific actuarial valuation, explicit solidarity, financial balance at different levels and consistency between financing arrangements and benefit objectives. The analysis shows that there is no single NDC extension suitable for all contingencies. Working-age disability is better accommodated through separately priced but coordinated social insurance, with NDC accounting serving as a benchmark for identifying insurance and redistributive components. LTC cash benefits can be incorporated into multistate actuarial structures, but an account-based approach cannot replace the collective organisation and provision of care services. Survivor protection requires explicit beneficiary-specific rights and rules governing the use of mortality-generated capital, rather than the automatic transfer of the standard old-age NDC formula. A synthetic fixed-contribution multistate illustration is used only to demonstrate how alternative pooling and resource-attribution arrangements distinguish aggregate financial insufficiency from imbalances created by rigid separation between contingencies. The paper concludes that the main contribution of NDC beyond retirement lies not in mechanically replicating its old-age formula, but in providing a transparent architecture for relating contributions, contingent rights, insurance, redistribution and financial balance across different social risks.

Recent working papers

39.- Vidal-Meliá, C, & Ación Lopez, A, (2026). Lump-Sum Commutation in Public Pensions: Actuarial Fairness, Welfare, and the Risk of a False Choice (March 13, 202). Available at https://doi.org/10.13140/RG.2.2.33643.60966

Ación López, A., & Vidal-Meliá, C. (2026a). Delayed-retirement incentives in Spain: Evaluating lump-sum commutation and actuarial fairness (Estudios sobre la Economía Española, 2026/25). Fundación de Estudios de Economía Aplicada. https://documentos.fedea.net/pubs/eee/2026/eee2026-25.pdf. (Second round)

36a.- Ación López, A., & Vidal-Meliá, C. (2026b). NDC benchmarking of Spanish pensions: Disability, survivor reversibility and hidden redistribution (Estudios sobre la Economía Española, 2026/29). Fundación de Estudios de Economía Aplicada. https://documentos.fedea.net/pubs/eee/2026/eee2026-29.pdf.

Vidal-Meliá, C. & Acion-Lopez, A. (2025). Ndc Benchmarking and Actuarial Fairness in Spain's Db Pensions: Retirement, Disability, and Survivor Reversibility. Available at SSRN: https://ssrn.com/abstract=5875583 or http://dx.doi.org/10.2139/ssrn.5875583 (submitted, first round)

Working papers: published / accepted

38.- Vidal-Meliá, C. & Bataller-Grau, J. (2025), Divorce Insurance: Actuarial Reality, Legal Challenges, and Fictional Imagination Available at SSRN: https://ssrn.com/abstract=5420834 or http://dx.doi.org/10.2139/ssrn.5420834

Status: Published

Bataller-Grau, J., & Vidal-Meliá, C. (2026). When fictional imagination meets divorce insurance: Feasibility, safeguards, and family outcomes. Humanities and Social Sciences Communications. 13, Article number: 1262. https://doi.org/10.1057/s41599-026-07654-6

37.- Ación Lopez, A, & Vidal-Meliá, C. (2025). Impacts of Industry 4.0 Technologies on Pension Systems: A Scoping Review (August 21, 2025). Available at SSRN: https://ssrn.com/abstract=5401961 or http://dx.doi.org/10.2139/ssrn.5401961. (submitted, first round)

Status: Conditionally accepted

Ación Lopez, A, & Vidal-Meliá, C. (2026). Impacts of Industry 4.0 Technologies on Pension Systems: A Scoping Review. International Social Security Review, conditionally accepted (11-08-26)

36b. Vidal-Meliá, C. & Ación López, A. (2026). High Ex Post Actuarial Returns, Modest Benefits? Disability Grade, Sex and Age at Award in Spanish Permanent-Disability Pensions, 2015–2023.

Status: Published on 13 October 2026

Vidal-Meliá, C., & Ación López, A. (2026). High ex post actuarial returns, modest benefits? Disability grade, sex and age at award in Spanish permanent-disability pensions, 2015–2023. Economies, 14(10), 474. https://doi.org/10.3390/economies14100474

35.-Vidal-Meliá, C. (2025). Divorce Insurance: A Concept Ahead of Its Time or Doomed to Fail?. Documentos de Trabajo del ICAE, no. 2, 1-46 https://docta.ucm.es/entities/publication/ced68a3f-d7c3-4b00-93d3-23ccf1e7740f

Status: Accepted

Vidal-Meliá, C. (2026). Divorce insurance: A simulation-based framework for short-term financial protection in marital dissolution. Advanced online publication. Family Transitions. https://doi.org/10.1080/28375300.2026.2724728

34.-Vidal-Meliá, C., Pérez-Salamero González, J. M., Garvey, A. M., & Castañer, A. (2024). The supplementary table on pensions (Table 29): Actuarial balance sheet update for the Spanish pension system to 2021, wave three. FEDEA, I Jornadas sobre el Sistema Público de Pensiones y Seguridad Social. Estudios sobre la Economía Española, no. 2024-18.https://ssrn.com/abstract=5403659 or http://dx.doi.org/10.2139/ssrn.5403659

Status: Published

Castañer, A., Garvey, A. M., Pérez-Salamero González, J. M., & Vidal-Meliá, C. (2025). Transforming Eurostat’s Table 29 into an Actuarial Balance Sheet: A Net Worth Approach to Assessing Public Pension Solvency. Journal of Risk and Financial Management, 18(9), 528. https://doi.org/10.3390/jrfm18090528

33.-Vidal-Meliá, C., Ventura, M., Regúlez Castillo, M., & Pérez-Salamero González, J. M. (2023). Inequalities in the longevity of females and males aged 65+ in Spain, 2008-2021: The role of pension income. Documentos de Trabajo del ICAE, no. 8, 1-40. https://docta.ucm.es/entities/publication/06fa330b-5fdf-4a9b-b26a-7825d9c249ae

Status: Published.

Vidal-Meliá, C., Regúlez Castillo, M., & Pérez-Salamero González, J. M. (2025). Income Inequalities in Longevity Among Spanish Retirement Pensioners aged 65+: A Comprehensive Analysis from 2008 to 2021. International Social Security Review, 78 (4), 53-78 https://doi.org/10.1111/issr.70014

32.-Vidal-Meliá, C., Ventura, M., & Garvey, A. M. (2023). The implicit (un)healthy life expectancy used for pricing long-term care insurance and life care annuities. Documentos de Trabajo del ICAE, no. 2, 1-52.

Status: Published

Vidal-Meliá, C., Ventura-Marco, M., & Garvey, A. (2024). Analyzing the demographic coherence of selected US, Australian and Chinese biometric data sets used to price long-term care insurance and life care annuities. Quality & Quantity, 58, 2813–2836. https://doi.org/10.1007/s11135-023-01782-w

31.-Ventura, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2022). Life care annuities to help couples cope with the cost of long-term care. Documentos de Trabajo del ICAE, no. 3, 1-51.

Status: Published

Ventura-Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2023). Joint life care annuities to help retired couples to finance the cost of long-term care. Insurance: Mathematics and Economics (IME), 113, 122-139. https://doi.org/10.1016/j.insmatheco.2023.08.002

30.-Garvey, A. M., Pérez-Salamero González, J. M., Ventura, M., & Vidal-Meliá, C. (2021). From 'Table 29' to the actuarial balance sheet: Is it really that big a leap? Documentos de Trabajo del ICAE, no. 5, 1-37.

Status: Published

Garvey, A., Pérez-Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2023). Transforming the supplementary table on pension liabilities (table 29) into an actuarial balance sheet. Public Money and Management, 43(8), 782-793. https://doi.org/10.1080/09540962.2023.2241347

29.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2021). Differences in life expectancy between self-employed workers and paid employees when retirement pensioners: Evidence from Spanish social security records. Documentos de Trabajo del ICAE, no. 4, 1-27.

Status: Published

Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2021). Differences in life expectancy between self-employed workers and paid employees when retirement pensioners: Evidence from Spanish social security records. European Journal of Population, 37(3), 697-725. https://doi.org/10.1007/s10680-021-09585-1

28.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2021). Mortality and life expectancy trends for male pensioners by pension income level. Documentos de Trabajo del ICAE, no. 2, 1-20.

Status: Published

Pérez-Salamero González, J. M., Regúlez Castillo, M., Ventura Marco, M., & Vidal-Meliá, C. (2022). Mortality and life expectancy trends in Spain by pension income level for male pensioners in the general regime retiring at the statutory age, 2005-2018. International Journal for Equity in Health, 21(96), 1-21. https://doi.org/10.1186/s12939-022-01697-2

27.-Garvey, A. M., Ventura, M., & Vidal-Meliá, C. (2019). Does the pension system’s income statement really matter?: A proposal for an NDC scheme with disability and minimum pension benefits. Documentos de Trabajo del ICAE, no. 22, 1-60.

Status: Published

Garvey, A., Ventura-Marco, M., & Vidal-Meliá, C. (2021). Does the pension system’s income statement really matter? A proposal for an NDC scheme with disability and minimum pension benefits. Economic Research-Ekonomska Istraživanja, 34(1), 292-310. https://doi.org/10.1080/1331677X.2020.1782246

26.-Núñez-Antón, V. A., Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2019). Improving the representativeness of a simple random sample: An optimization model and its application to the continuous sample of working lives. Documentos de Trabajo del ICAE, no. 20, 1-30.

Status: Published

Núñez-Antón, V., Pérez-Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2020). Improving the representativeness of a simple random sample: An optimization model and its application to the Continuous Sample of Working Lives. Mathematics, 8(8), 1225. https://doi.org/10.3390/math8081225

25.-Vidal-Meliá, C., Ventura, M., & Pérez-Salamero González, J. M. (2018). Actuarial accounting for a notional defined contribution scheme combining retirement and long-term care benefits. Documentos de Trabajo del ICAE, no. 16, 1-49.

Status: Published

Vidal-Meliá, C., Ventura-Marco, M., & Pérez-Salamero, J. M. (2018). Social insurance accounting for a notional defined contribution scheme combining retirement and long-term care benefits. Sustainability, 10(8), 2832. https://doi.org/10.3390/su10082832

24.-Pérez-Salamero González, J. M., Regúlez Castillo, M., Ventura, M., & Vidal-Meliá, C. (2017). Automatic regrouping of strata in the chi-square test. Documentos de Trabajo del ICAE, no. 24, 1-25.

Status: Published

Nuñez-Antón, V., Pérez-Salamero, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2019). Automatic regrouping of strata in the Goodness-of-Fit chi-square test. SORT (Statistics and Operations Research Transactions), 43(1), 113-142. https://doi.org/10.2436/20.8080.02.83

23.-Pla Porcel, J., Ventura, M., & Vidal-Meliá, C. (2017). How do unisex life care annuities embedded in a pay-as-you-go retirement system affect gender redistribution? Documentos de Trabajo del ICAE, no. 11, 1-24.

Status: Published

Vidal-Meliá, C., Ventura-Marco, M., & Pla-Porcel, J. (2019). Unisex life care annuities embedded in a pay-as-you-go pension system: Analysing the issue of gender redistribution. Journal of Population Ageing, 12(4), 405-426. https://doi.org/10.1007/s12062-018-9229-3

22.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2016). Converting retirement benefit into a life care annuity with graded benefits: How costly would it actually be? SSRN. https://ssrn.com/abstract=2801651

Status: Published

Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2017). Converting retirement benefit into a life care annuity with graded benefits. Scandinavian Actuarial Journal, 2017(10), 829-853. https://doi.org/10.1080/03461238.2016.1264125

21.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2016). An NDC approach to helping pensioners cope with the cost of long-term care. SSRN. https://ssrn.com/abstract=2796471

Status: Published

Vidal-Meliá, C., Ventura-Marco, M., & Pla-Porcel, J. (2020). An NDC approach to helping pensioners cope with the cost of long-term care. Journal of Pension Economics and Finance, 19(1), 80-108. https://doi.org/10.1017/S1474747218000070

20.-Pérez-Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2016). A ‘Swedish’ actuarial balance sheet for a notional defined contribution pension scheme with disability and retirement benefits. SSRN. https://ssrn.com/abstract=2752921

Status: Published

Pérez-Salamero, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2017). A “Swedish” actuarial balance for a notional defined contribution pension scheme with disability and minimum pension benefits. International Social Security Review, 70(3), 79-104. https://doi.org/10.1111/issr.12141

19.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2016). The continuous sample of working lives: Improving its representativeness. SSRN. https://ssrn.com/abstract=2727968

Status: Published

Pérez-Salamero, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2017). The continuous sample of working lives: Improving its representativeness. SERIEs (Journal of the Spanish Economic Association), 8(1), 43-95. https://doi.org/10.1007/s13209-016-0151-6

18.-Castañer, A., Pérez-Salamero González, J. M., & Vidal-Meliá, C. (2015). Evaluación de las tarifas de las pensiones de accidentes de trabajo y enfermedades profesionales (2011-2015). SSRN. https://ssrn.com/abstract=2600987

Status: Published

Castañer-Garriga, A., Pérez-Salamero González, J. M., & Vidal-Meliá, C. (2017). Evaluación de las tarifas de las pensiones de Accidentes de Trabajo y Enfermedades Profesionales (2011-2015). Innovar Journal, 27(66), 153-167. https://doi.org/10.15446/innovar.v27n66.66810

17.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2015). Análisis de la representatividad de la MCVL: El caso de las prestaciones del sistema público de pensiones. SSRN. https://ssrn.com/abstract=2548631

Status: Published

Pérez-Salamero, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2016). Análisis de la representatividad de la MCVL: el caso de las prestaciones del sistema público de pensiones. Hacienda Pública Española (Review of Public Economics), 217(2), 67-130. https://doi.org/10.7866/HPE-RPE.16.2.3

16.-Ventura-Marco, M., & Vidal-Meliá, C. (2015). An integrated notional defined contribution (NDC) pension scheme with retirement and permanent disability. SCOR Paper No. 32.

Status: Published

Ventura-Marco, M., & Vidal-Meliá, C. (2016). Integrating retirement and permanent disability in NDC pension schemes. Applied Economics, 48(12), 1081-1102. https://doi.org/10.1080/00036846.2015.1093084

15.-Ventura-Marco, M., & Vidal-Meliá, C. (2014). Integrating retirement and permanent disability in NDC pension schemes. SSRN. https://ssrn.com/abstract=2418147

Status: Published

Ventura-Marco, M., & Vidal-Meliá, C. (2016). Integrating retirement and permanent disability in NDC pension schemes. Applied Economics, 48(12), 1081-1102. https://doi.org/10.1080/00036846.2015.1093084

14.-Vidal-Meliá, C., Boado-Penas, M. C., & Navarro-Cabo, F. (2013). Notional defined contribution pension schemes: Why does only Sweden distribute the survivor dividend? SSRN. https://ssrn.com/abstract=2338603

Status: Published

Vidal-Meliá, C., Boado-Penas, M. C., & Navarro-Cabo, F. (2016). Notional defined contribution pension schemes: Why does only Sweden distribute the survivor dividend? Journal of Economic Policy Reform, 19(3), 200-220. https://doi.org/10.1080/17487870.2015.1028547

13.-Boado-Penas, M. C., & Vidal-Meliá, C. (2013). Non-financial defined contribution pension schemes: Is a survivor dividend necessary to make the system balanced? SSRN. https://ssrn.com/abstract=2338412

Status: Published

Boado-Penas, M. C., & Vidal-Meliá, C. (2014). Nonfinancial defined contribution pension schemes: Is a survivor dividend necessary to make the system balanced? Applied Economics Letters, 21(4), 242-247. https://doi.org/10.1080/13504851.2013.851767

12.-Vidal-Meliá, C. (2012). Will it last?: An assessment of the 2011 Spanish pension reform using the Swedish system as benchmark. Documentos de Trabajo FUNCAS, no. 678.

Status: Published

Vidal-Meliá, C. (2014). An assessment of the 2011 Spanish pension reform using the Swedish system as benchmark. Journal of Pension Economics and Finance, 13(3), 297-333. https://doi.org/10.1017/S1474747213000383

11.-Ventura-Marco, M., & Vidal-Meliá, C. (2012). An actuarial balance model for DB PAYG pension systems with disability and retirement contingencies. Documentos de Trabajo FUNCAS, no. 677.

Status: Published

Ventura-Marco, M., & Vidal-Meliá, C. (2014). An actuarial balance sheet model for defined benefit pay-as-you-go pension systems with disability and retirement contingencies. Astin Bulletin, 44(2), 367-415. https://doi.org/10.1017/asb.2014.5

10.-García-García, M., Nave-Pineda, J., & Vidal-Meliá, C. (2011). The US actuarial balance model for the pay-as-you-go system and its application to Spain. Documentos de Trabajo WP-CEU-UCH EE, no. 2011-02.

Status: Published

Vidal-Meliá, C. (2014). An assessment of the 2011 Spanish pension reform using the Swedish system as benchmark. Journal of Pension Economics and Finance, 13(3), 297-333. https://doi.org/10.1017/S1474747213000383

9.-Vidal-Meliá, C., & Boado-Penas, M. C. (2010). Notes on using the hidden asset or the contribution asset to compile the actuarial balance for pay-as-you-go pension systems. Documentos de Trabajo FUNCAS, no. 571.

Status: Published

Vidal-Meliá, C., & Boado-Penas, M. C. (2013). Compiling the actuarial balance for pay-as-you-go pension systems: Is it better to use the hidden asset or the contribution asset? Applied Economics, 45(10), 1303-1320. https://doi.org/10.1080/00036846.2011.615733

8.-Boado Penas, M. C., & Vidal Meliá, C. (2008). El balance actuarial como indicador de la solvencia del sistema de reparto. Working papers = Documentos de trabajo: Serie EC (Instituto Valenciano de Investigaciones Económicas), (2).

Status: Published

Vidal-Meliá, C., Boado-Penas, M. C., & Settergren, O. (2009). Automatic balance mechanisms in pay-as-you-go pension systems. The Geneva Papers on Risk and Insurance: Issues and Practice, 34(2), 287-317. https://doi.org/10.1057/gpp.2009.2

7.-Boado-Penas, M. C., Valdés-Prieto, S., & Vidal-Meliá, C. (2008). The actuarial balance sheet for pay-as-you-go finance: Solvency indicators for Spain and Sweden. CESifo Working Paper Series, no. 2182.

Status: Published

Boado-Penas, M. C., Valdés-Prieto, S., & Vidal-Meliá, C. (2008). An actuarial balance sheet for pay-as-you-go finance: Solvency indicators for Spain and Sweden. Fiscal Studies, 29(1), 89-134. https://doi.org/10.1111/j.1475-5890.2008.00070.x

6.-Boado-Penas, M. C., Domínguez-Fabian, I., & Vidal-Meliá, C. (2006). Notional defined contribution accounts (NDCs): Solvency and risk; Application to the case of Spain. FEDEA Working Paper Series, no. EEE 226.

Status: Published

Boado-Penas, M. C., Domínguez-Fabián, I., & Vidal-Meliá, C. (2007). Notional defined contribution accounts (NDCs): Solvency and risk, application to the case of Spain. International Social Security Review, 60(4), 105-127.

5.-Vidal-Meliá, C., & Lejárraga-García, A. (2005). Demand for life annuities from married couples with a bequest motive. FEDEA Working Papers, no. 2005-11.

Status: Published

Vidal-Meliá, C., & Lejárraga-García, A. (2006). Demand for life annuities from married couples with a bequest motive. Journal of Pensions Economics and Finance, 5(2), 197-229.

4.-Vidal-Meliá, C., Domínguez-Fabian, I., & Devesa-Carpio, J. E. (2004). Economic risk to beneficiaries in notional defined contribution accounts (NDCs). Documentos de Trabajo FUNCAS, no. 192.

Status: Published

Vidal-Meliá, C., Domínguez-Fabián, I., & Devesa-Carpio, J. E. (2006). Subjective economic risk to beneficiaries in notional defined contribution accounts (NDCs). The Journal of Risk and Insurance, 73(3), 489-515.

3.-Vidal-Meliá, C., Devesa-Carpio, J. E., & Rodríguez Barrera, R. M. (2002). Assessing administration charges for the affiliate in individual account systems. Instituto Valenciano de Investigaciones Económicas, no. 9.

Status: Published

Devesa-Carpio, J. E., Rodríguez-Barrera, R., & Vidal-Meliá, C. (2003). Costes de administración para el afiliado en los sistemas de cuentas individuales de capitalización: Medida y comparación internacional. Revista Española de Financiación y Contabilidad, 32(116), 116-144.

2.-Devesa-Carpio, J. E., Martínez, M., & Vidal-Meliá, C. (2000). Análisis y valoración de los sistemas de pensiones reformados en Latinoamérica. Instituto Valenciano de Investigaciones Económicas, no. 11.

Status: Published

Devesa-Carpio, J. E., & Vidal-Meliá, C. (2011). Current status and provisional assessment of reformed pension systems in Latin America. World Bank Pension Reform Primer. The World Bank.

1.-Devesa-Carpio, J. E., Lejárraga-García, A., & Vidal-Meliá, C. (1999). La viabilidad financiera del sistema de pensiones de reparto: Aplicación a la contingencia de jubilación del régimen general de la seguridad social española. Instituto Valenciano de Investigaciones Económicas, no. 16.

Status: Published

Devesa-Carpio, J. E., Lejárraga-García, A., & Vidal-Meliá, C. (2002). El tanto de rendimiento del sistema de pensiones de reparto. Revista de Economía Aplicada, 10(30), 109-132.

Conference presentations, invited seminars and posters

138.- Ación López, A., & Vidal-Meliá, C. (2026, 25 de septiembre). Pensiones en España y cuentas nocionales: Jubilación, incapacidad y reversibilidad. Longevidad y redistribución implícita [Presentación de ponencia]. II Jornada sobre el Sistema Público de Pensiones y Seguridad Social, Fundación Ramón Areces, Madrid, España.

137.- Bataller Grau, J., & Vidal-Meliá, C. (2026, 26 de agosto). Construyendo el seguro de divorcio: Una aproximación actuarial y jurídica [Ponencia]. XIX Congreso Internacional CILA y 33 Encuentro Nacional ACOLDESE, Cartagena de Indias, Colombia.

136-Vidal-Meliá, C., & Ación López, A. (2026, 24–27 de junio). Disability pensions as the structural actuarial imbalance: Benchmarking Spanish DB pensions using an NDC counterfactual [Póster]. XXXIX Congreso Internacional ASEPELT 2026, organizado por la Facultad de Educación, Economía y Tecnología de Ceuta, Universidad de Granada, Ceuta, España.

135-Vidal-Meliá, C., & Ación López, A. (2026, 24–27 de junio). When a lump sum is not actuarially neutral: Breakeven risk and tail probabilities in Spain’s delayed retirement reform [Póster]. XXXIX Congreso Internacional ASEPELT 2026, organizado por la Facultad de Educación, Economía y Tecnología de Ceuta, Universidad de Granada, Ceuta, España.

134-Vidal-Meliá, C., & Bataller Grau, J. (2026, 24–27 de junio). Divorce insurance between fiction and reality: Feasibility, safeguards, and family outcomes [Póster]. XXXIX Congreso Internacional ASEPELT 2026, organizado por la Facultad de Educación, Economía y Tecnología de Ceuta, Universidad de Granada, Ceuta, España.

133-Vidal-Meliá, C (2026, 24–27 de junio). Can divorce be priced? [Póster]. XXXIX Congreso Internacional ASEPELT 2026, organizado por la Facultad de Educación, Economía y Tecnología de Ceuta, Universidad de Granada, Ceuta, España.

132-Vidal-Meliá, C. (2025, 26 de noviembre). (In)sostenibilidad/(in)solvencia del sistema actual de pensiones en España [Ponencia invitada]. IV Encuentro de Previsión (Expansión y Banco de Santander), Madrid.

131.-Vidal-Meliá, C. (2025, July 11). Seguro de divorcio: ¿un concepto adelantado a su tiempo o condenado al fracaso? Invited Seminar, Universidad de Alcalá de Henares, Spain.

130.-Bataller-Grau, J. & Vidal-Meliá, C., (2025). Divorce insurance: a new social insurance. 11th AIDA Europe conference, “Navigating the Insurance Landscape: Regulation and Innovation in the European Insurance Markets” University Carlos III of Madrid, Spain – 29 - 30 May 2025.

129.-Vidal-Meliá, C., Castañer Garriga, A., Garvey, A. M., & Pérez-Salamero González, J. M. (2025). Table 29 and Actuarial Balance Sheets: Analysing Spain’s Pension System with Proposals for Structural and Reporting Reforms. 47th EAA Annual Congress Rome, Italy – 28 - 30 May 2025.

128.-Vidal-Meliá, C. (2024, November 27). La tabla complementaria sobre pensiones (Tabla 29): Actualización del Balance Actuarial del Sistema de Pensiones Español a 2021, Tercera Ola. Invited Seminar, Complutense University of Madrid, Spain.

127.-Vidal-Meliá, C., Castañer Garriga, A., Garvey, A. M., & Pérez-Salamero González, J. M. (2024). Supplementary table on pensions (Table 29): Update of the actuarial balance sheet for the Spanish pension system to 2021 [Poster]. 9th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

126.-Vidal-Meliá, C., Regúlez-Castillo, M., & Pérez-Salamero González, J. M. (2024). How does the pension level affect life expectancy at 65 in Spain? [Poster]. 9th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

125.-Garvey, A. M., Vidal-Meliá, C., Pérez-Salamero González, J. M. & Castañer Garriga, A., (2024). Table 29: actuarial balance sheet update for the spanish pensión system to 2021, wave three [Poster]. XXI Encuentro ASEPUC, Universidad de Valladolid, Spain.

124.-Vidal-Meliá, C., Castañer Garriga, A., Garvey, A. M., & Pérez-Salamero González, J. M. (2024). De la Tabla 29 al Balance Actuarial: Resultados Actualizados para España [Poster]. XXXII Jornadas ASEPUMA - XX Encuentro Internacional, Soria, Spain.

123.-Vidal-Meliá, C., Regúlez-Castillo, M., & Pérez-Salamero González, J. M. (2024). Longevidad por Cuantía de Pensión en España [Poster]. XXXII Jornadas ASEPUMA - XX Encuentro Internacional, Soria, Spain.

122.-Vidal-Meliá, C., Pérez-Salamero González, J. M., Garvey, A. M., & Castañer, A. (2024). The supplementary table on pensions (Table 29): Actuarial balance sheet update for the Spanish pension system to 2021, wave three. FEDEA, I Jornadas sobre el Sistema Público de Pensiones.

121.-Vidal-Meliá, C. (2024, May 30). La tabla complementaria sobre pensiones (Tabla 29): Actualización del Balance Actuarial del Sistema de Pensiones Español a 2021, Tercera Ola. Invited Seminar, Universidad de Alcalá de Henares, Spain.

120.-Vidal-Meliá, C. (2024, February 22). La esperanza (implícita) de vida como activo y dependiente utilizada para tarificar los seguros y las rentas vitalicias de dependencia. Invited Seminar, Complutense University of Madrid, Spain.

119.-Vidal-Meliá, C. (2024, February 2). Inequalities in the longevity of females and males aged 65+ in Spain, 2008-2021: The role of pension income. Invited Seminar, Basque Country University, Bilbao, Spain.

118.-Vidal-Meliá, C. (2023, November 16–17). ¿Es financieramente sostenible el sistema contributivo de pensiones en España? [Paper]. Congreso Internacional de Sostenibilidad y Derecho del Sistema Financiero, Valencia, Spain.

117.-Vidal-Meliá, C. (2023, September, 7). “Life care annuities for retired couples: how costly would it actually be?”. Invited Seminar, Invited Seminar, Complutense University of Madrid, Spain.

116.-Ventura-Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2023). Rentas vitalicias conjuntas para parejas con cobertura de dependencia [Poster]. XXXVI International Conference ASEPELT, Évora, Portugal.

115.-Ventura-Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2023). Rentas vitalicias reversibles con cobertura de dependencia [Poster]. XXXVI International Conference ASEPELT, Évora, Portugal.

114.-Garvey, A. M., Vidal-Meliá, C., & Ventura-Marco, M. (2023). Metodología para comprobar la coherencia demográfica de algunos conjuntos de datos biométricos utilizados en la tarificación de los seguros de dependencia [Poster]. XXXVI International Conference ASEPELT, Évora, Portugal.

113.-Garvey, A. M., Vidal-Meliá, C., & Ventura-Marco, M. (2023). La esperanza (implícita) de vida (no) saludable utilizada en el precio del seguro de dependencia en los EE. UU. y Australia [Poster]. XXXVI International Conference ASEPELT, Évora, Portugal.

112.-Garvey, A. M., Vidal-Meliá, C., & Ventura-Marco, M. (2023). Análisis de la coherencia demográfica de algunos conjuntos de datos biométricos seleccionados de Portugal y China utilizados para tarificar el precio de los seguros de dependencia [Poster]. XXXVI International Conference ASEPELT, Évora, Portugal.

111.-Vidal-Meliá, C., Ventura-Marco, M., & Garvey, A. M. (2023). The implicit (un)healthy life expectancy used in the pricing of Long-Term Care Insurance (LTCI) in the US and Australia [Poster]. XXXI Jornadas ASEPUMA - XIX Encuentro Internacional, Salamanca, Spain.

110.-Vidal-Meliá, C., Ventura-Marco, M., & Garvey, A. M. (2023). Analyzing the demographic coherence of some selected biometric datasets from Portugal and China used for pricing Long-Term Care Insurance [Poster]. XXXI Jornadas ASEPUMA - XIX Encuentro Internacional, Salamanca, Spain.

109.-Vidal-Meliá, C., Ventura-Marco, M., & Garvey, A. M. (2023). Methodology for checking the demographic coherence of selected biometric datasets used in Long-Term Care pricing [Poster]. XXXI Jornadas ASEPUMA - XIX Encuentro Internacional, Salamanca, Spain.

108.-Ventura-Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2023). Joint life care annuities with a last survivor pay-out rule [Poster]. XXXI Jornadas ASEPUMA - XIX Encuentro Internacional, Salamanca, Spain.

107.-Vidal-Meliá, C. (2022, June 15). “Life care annuities for retired couples: how costly would it actually be?”. Invited Seminar, ULPGC, Gran Canaria, Spain.

106.-Vidal Meliá, C., Garvey, A. M., Ventura Marco, M., & Pérez-Salamero González, J. M. (2022). A country case study of the "EXTENDED" Table 29: SPAIN [Poster]. XXX Jornadas de ASEPUMA - XVIII Encuentro Internacional, Las Palmas de Gran Canaria, Spain.

105.-Ventura-Marco, M., Vidal-Meliá, C., & Pérez Salamero González, J. M. (2022). Life Care Annuities for Retired Couples: How Costly Would They Actually Be? [Poster]. XXX Jornadas de ASEPUMA - XVIII Encuentro Internacional, Las Palmas de Gran Canaria, Spain.

104.-Garvey, A. M., Pérez Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). De la "Tabla 29" al Balance Actuarial: ¿Hay realmente un salto tan grande? [Paper]. I Congreso Internacional de la Revista de Derecho del Sistema Financiero, Universitat de València, Valencia, Spain.

103.-Ventura-Marco, M., & Vidal-Meliá, C., & Pérez Salamero González, J. M. (2021). Life Care Annuities for retired couples: How costly would it actually be? [Poster]. 6th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

102.-Pérez Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2021). Diferencias en la esperanza de vida entre trabajadores autónomos y asalariados cuando se jubilan a la edad ordinaria: Evidencia de los registros de la Seguridad Social española [Paper]. I Congreso Internacional de la Revista de Derecho del Sistema Financiero, Universitat de València, Valencia, Spain.

101.-Garvey, A. M., Pérez Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). Una mejora en la información para la toma de decisiones sobre pensiones: De la tabla 29 al balance actuarial [Poster]. 6th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

100.-Pérez Salamero González, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). Evolución de la mortalidad y la esperanza de vida en España para los hombres jubilados según la cuantía de la pensión inicial [Poster]. 6th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

99.-Pérez Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2021). Diferencias en la esperanza de vida entre trabajadores autónomos y asalariados cuando se jubilan a la edad ordinaria: Evidencia de los registros de la Seguridad Social española [Poster]. 6th Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

98.-Garvey, A. M., Pérez Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2021). The supplementary table on pensions (Table 29): Improving its usefulness [Poster]. XXVIII Jornadas ASEPUMA - XVI Encuentro Internacional, Madrid, Spain.

97.-Pérez Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2021). Mortality and life expectancy trends for male pensioners by pension income level [Poster]. XXVIII Jornadas ASEPUMA - XVI Encuentro Internacional, Madrid, Spain.

96.-Pérez Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2021). Differences in life expectancy between self-employed workers and paid employees when retirement pensioners: Evidence from Spanish Social Security records [Poster]. XXVIII Jornadas ASEPUMA - XVI Encuentro Internacional, Madrid, Spain.

95.-Garvey, A. M., Ventura-Marco, M., & Vidal-Meliá, C. (2020, September 18, 22, & 25). The importance of reporting a pension system’s income statement and budgeted variances in a fair and sustainable scheme. Remote 9th International Conference Mathematical and Statistical Methods for Actuarial Sciences and Finance eMAF2020.

94.-Vidal-Meliá, C. (2019, December 16). Cuentas nocionales, jubilación y dependencia: algunas ideas innovadoras. Invited Seminar, Pensions and Insurance Seminar, Actuarial and Financial Modelling Research Group.

93.-Vidal-Meliá, C. (2019, November 11). ¿Importa realmente la cuenta de resultados de un sistema de pensiones? Una propuesta para un sistema de cuentas nocionales con invalidez y pensión mínima. Invited Seminar, Universidad de Alcalá de Henares.

92.-Vidal-Meliá, C. (2019, October 3). ¿Importa realmente la cuenta de resultados de un sistema de pensiones? Una propuesta para un sistema de cuentas nocionales con invalidez y pensión mínima. Invited Seminar, Complutense University of Madrid.

91.-Garvey, A. M., Ventura-Marco, M., & Vidal-Meliá, C. (2019, June 20-21). Monitoring the Solvency of a Notional Defined Contribution Pension Scheme with Disability and Minimum Pension Benefits. XXVII Jornadas de ASEPUMA - XV Encuentro Internacional, Santander.

90.-Pérez Salamero González, J. M., Regúlez-Castillo, M., Vidal-Meliá, C., & Nuñez-Antón, V. (2019, June 20-21). Improving the Representativeness of Simple Random Samples: An Optimization Model and its Application to the Continuous Sample of Working Lives. XXVII Jornadas de ASEPUMA - XV Encuentro Internacional, Santander.

89.-Vidal-Meliá, C. (2019, January 16). Cuentas nocionales, jubilación y dependencia: algunas ideas innovadoras. Invited Seminar, UNED.

88.-Vidal-Meliá, C. (2018, November 8). Cuentas nocionales, jubilación y dependencia: Algunas ideas innovadoras. Invited Seminar, Complutense University of Madrid, Madrid, Spain.

87.-Vidal-Meliá, C. (2018, October 26). El sistema de pensiones español: Cosas que deberías saber, pero nunca te han contado. XXII Congreso de la Asociación de Corredores de Seguros de la Comunidad Valencia (ACS-CV), Valencia, Spain.

86.-Pérez-Salamero González, J. M., Ventura Marco, M., & Vidal-Meliá, C. (2018). Actuarial accounting for a notional defined contribution scheme combining retirement and long term care contingencies. Poster presented at the XXVI Jornadas de ASEPUMA - XIV Encuentro Internacional, Sevilla, Spain.

85.-Núñez-Antón, V., Pérez Salamero González, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2018). Automatic regrouping of strata in the chi-square test. Communication presented at the XXXVII Congreso Nacional de Estadística e Investigación Operativa y las XI Jornadas de Estadística Pública, Universidad de Oviedo, Oviedo, Spain.

84.-Pérez Salamero González, J. M., Regúlez-Castillo, M., & Vidal-Meliá, C. (2018). Selection of representative stratified subsamples of a population from a simple random sample: A procedure to solve a MINLP. Poster presented at the XXXVII Congreso Nacional de Estadística e Investigación Operativa y las XI Jornadas de Estadística Pública, Universidad de Oviedo, Oviedo, Spain.

83.-Pla Porcel, J., Ventura Marco, M., & Vidal Meliá, C. (2017). Análisis del riesgo de acciones en Solvencia II: El efecto divergente del ajuste simétrico sobre el valor en riesgo. Poster presented at the XXV Jornadas ASEPUMA - XXIII Encuentro Internacional, ASEPUMA, A Coruña, Spain.

82.-Vidal-Meliá, C. (2017). Cuentas Nocionales de Aportación Definida (CNs): Cosas que deberías saber pero nunca te han contado. Invited paper presented at the III Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

81.-Vidal-Meliá, C. (2017, September 13). Cuentas Nocionales de Aportación Definida (CNs): Cosas que deberías saber pero nunca te han contado. Invited Seminar, Complutense University of Madrid, Madrid, Spain.

80.-Pla Porcel, J., Ventura Marco, M., & Vidal Meliá, C. (2017). Gender-neutral life care annuity pricing embedded in an unfunded pension system: What about gender redistribution? Poster presented at the XXV Jornadas ASEPUMA - XXIII Encuentro Internacional, ASEPUMA, A Coruña, Spain.

79.-Pérez-Salamero González, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2017). Automatic regrouping of strata in the Chi-square test. Poster presented at the III Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

78.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2017). Equity risk analysis under Solvency II: The divergent effect of the symmetric adjustment on value at risk. Poster presented at the III Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

77.-Pérez-Salamero González, J. M., Regúlez-Castillo, M., Ventura-Marco, M., & Vidal-Meliá, C. (2017). Alternative mathematical programming approaches for obtaining large subsamples to improve the representativeness of the original sample. Poster presented at the III Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

76.-Vidal-Meliá, C. (2017, March 29). Would it Work? A Notional Defined Contribution Scheme Combining Retirement and Long-Term Care. Invited Seminar, Complutense University of Madrid, Madrid, Spain.

75.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2017). How do unisex Life care annuities embedded in a pay-as-you-go retirement system affect gender redistribution. Paper presented at the III Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

74.-Vidal-Meliá, C. (2016, November 25). Análisis de los Sistemas de Previsión Social Complementaria en España. Invited Seminar, Gestión financiera y fiscal: retos y salidas profesionales, University of Castilla-La Mancha, Albacete, Spain.

73.-Vidal-Meliá, C. (2016, March 18). Rentas vitalicias de jubilación y dependencia en un sistema de cuentas nocionales. Invited Seminar, University of the Basque Country, Bilbao, Spain.

72.-Ventura Marco, M., Vidal-Meliá, C., & Pérez-Salamero González, J. M. (2016). A 'Swedish' actuarial balance sheet for a notional defined contribution pension scheme with disability and retirement benefits. Paper presented at the II Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

71.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2016). Selection of large sub-samples from the Continuous Sample of Working Lives representative of the benefits provided by the Spanish public pension system. Poster presented at the XXIV Jornadas ASEPUMA - XXII Encuentro Internacional, ASEPUMA, Granada, Spain.

70.-Pérez-Salamero González, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2016). A procedure for selecting representative subsamples of a population from a simple random sample. Paper presented at the Seventh International Conference MAF 2016, University of Paris Dauphine, Paris, France.

69.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2016). Would it Work? A Notional Defined Contribution Scheme Combining Retirement and Long-Term Care. Paper presented at the II Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

68.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2016). Would it Work? A Notional Defined Contribution Scheme Combining Retirement and Long-Term Care. Poster presented at the 3rd European Actuarial Journal (EAJ) Conference, Universidad de Lyon, Lyon, France.

67.-Pérez Salamero González, J. M., Ventura-Marco, M., & Vidal-Meliá, C. (2016). A "Swedish" Actuarial Balance Sheet for a Notional Defined Contribution Pension Scheme with Disability and Retirement Benefits. Poster presented at the 3rd European Actuarial Journal (EAJ) Conference, Universidad de Lyon, Lyon, France.

66.-Vidal-Meliá, C. (2015). Algunos instrumentos para mejorar el funcionamiento de los sistemas de pensiones de reparto. Paper presented at the I Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

65.-Pla Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2015). Life Care Annuities (LCA) Embedded in a Notional Defined Contribution (NDC) Framework. Paper presented at the I Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

64.-Pérez-Salamero, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2015). Estudio de la distribución por edad de los datos de prestaciones de la Muestra Continua de Vidas Laborales. Poster presented at the XXIII Jornadas ASEPUMA y XI Encuentro Internacional de Profesores Universitarios de Matemáticas para la Economía y la Empresa, Universidad de Oviedo, Gijón, Spain.

63.-Castañer Garriga, A., Pérez-Salamero, J. M., & Vidal-Meliá, C. (2015). Are the Rates Levied to Cover the Cost of Pensions for Occupational Injury and Disease Actuarially Fair? An Analysis for the Period 2011-2015. Paper presented at the I Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

62.-Pérez-Salamero, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2015). Selection of High Size Sub-samples from the Continuous Sample of Working Lives (CSWL) Representative of the Benefits Provided by the Spanish Public Pension System. Paper presented at the I Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

61.-Pérez-Salamero, J. M., Regúlez Castillo, M., & Vidal-Meliá, C. (2015). Analysis of the Representativeness of the Continuous Sample of Working Lives (CSWL): The Case of the Benefits Provided by the Spanish Public Pension System. Paper presented at the I Workshop on Pensions and Insurance, Universitat de Barcelona, Barcelona, Spain.

60.-Vidal-Meliá, C. (2015, February 20). Life Care Annuities (LCA) Embedded in a Notional Defined Contribution (NDC) Framework. Invited Seminar, University of Alcalá, Madrid, Spain.

59.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2014). Integrating retirement and long-term care (LTC) annuities using a notional defined contribution (NDC) framework. Poster presented at the 2nd European Actuarial Journal (EAJ) Conference, Vienna University of Technology, Vienna, Austria.

58.-Pla-Porcel, J., Ventura-Marco, M., & Vidal-Meliá, C. (2014). Integrating retirement and long-term care (LTC) annuities using a notional defined contribution (NDC) framework. Poster presented at the Workshop on Risk Management in Insurance, Universitat de Barcelona, Barcelona, Spain.

57.-Vidal-Meliá, C. (2014, July 10). An Integrated Notional Defined Contribution (NDC) Model with Retirement and Permanent Disability. Invited Seminar, University of Sassari, Sassari, Italy.

56.-Ventura-Marco, M., & Vidal-Meliá, C. (2014). An Integrated Notional Defined Contribution (NDC) Model with Retirement and Permanent Disability. Poster presented at the Workshop on Risk Management in Insurance, Universitat de Barcelona, Barcelona, Spain.

55.-Vidal-Meliá, C. (2013). Will it Last? An Assessment of the 2011 Spanish Pension Reform Using the Swedish System as Benchmark. Invited paper presented at the International Conference on Pension Systems Sustainability, Università degli Studi di Roma (La Sapienza), Roma, Italy.

54.-Vidal-Meliá, C., Boado-Penas, M. C., & Navarro-Cabo, F. (2013). Should a Survivorship Dividend Be Included in Notional Defined Contribution (NDC) Accounts? Paper presented at the Actuarial Teachers’ and Researchers’ Conference, Keele, United Kingdom.

53.-Ventura-Marco, M., & Vidal-Meliá, C. (2013). Un modelo de balance actuarial para sistemas de pensiones DB PAYG con dos contingencias. Paper presented at the XXI Jornadas ASEPUMA y IX Encuentro Internacional, Universidad de La Laguna, Tenerife, Spain.

52.-Ventura-Marco, M., & Vidal-Meliá, C. (2013). An actuarial balance model for DB PAYG pension systems with disability and retirement contingencies. Paper presented at the IV Congreso Ibérico de Actuarios, Barcelona, Spain.

51.-Vidal-Meliá, C., & Jordá-Dura, M. P. (2012). La riforma del sistema pensionistico pubblico in Spagna: Un’analisi critica. Invited paper presented at the INARCASSA, International Workshop Contributivo: Esperienze internazionali a confronto, Roma, Italy.

50.-Vidal-Meliá, C. (2011). Reforma del sistema público de la Seguridad Social en España: Visión oficial y análisis crítico. Invited paper presented at the Jornada de Previsión Social, Madrid, Spain.

49.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2011). Individual Pension Information: Recommendations for the Case of Spain Based on the Experiences of Other Countries. Paper presented at the XII Ibero-Italian Congress of Financial and Actuarial Mathematics, Lisboa, Portugal.

48.-García-García, M., Nave Pineda, J. M., & Vidal-Meliá, C. (2011). The US Actuarial Balance Model for the Pay-as-you-go System and its Application to Spain. Paper presented at the XII Ibero-Italian Congress of Financial and Actuarial Mathematics, Lisboa, Portugal.

47.-García-García, M., Nave Pineda, J. M., & Vidal-Meliá, C. (2011). El balance actuarial del sistema de reparto modelo EE.UU.: Aplicación al caso español. Paper presented at the AECA Conference, Granada, Spain.

46.-Regúlez-Castillo, M., & Vidal-Meliá, C. (2011). La información individual para el cotizante. Algunas recomendaciones para el caso español a partir de la experiencia internacional. Paper presented at the AECA Conference, Granada, Spain.

45.-Boado-Penas, M. C., & Vidal-Meliá, C. (2011). Inheritance gains and NDCs. Paper presented at the Actuarial Teachers' and Researchers' Conference, Oxford, United Kingdom.

44..-Boado-Penas, M. C., & Vidal-Meliá, C. (2011). Inheritance gains and NDCs. Paper presented at the Pensions, Benefits and Social Security Colloquium, Edimburgo, United Kingdom.

43.-Boado-Penas, M. C., &Vidal-Meliá, C. (2010, March 30). Notes on using the hidden asset or contribution asset to compile the actuarial balance for pay-as-you-go pension systems. Invited paper presented at the Direction des Retraites de la Caisse des Dépôts, Bordeaux, France.

42.-Boado-Penas, M. C., & Vidal-Meliá, C. (2010). Notes on Using the Hidden Asset or Contribution Asset to Compile the Actuarial Balance for Pay-As-You-Go Pension Systems. Paper presented at the 29th International Congress of Actuaries, Cape Town, South Africa.

41.-Boado-Penas, M. del C., Sakamoto, J., Settergren, O., & Vidal-Meliá, C. (2009). Models of the actuarial balance of the pay-as-you-go pension system: A review and some lessons. Paper presented at the XI Spanish-Italian Congress of Financial and Actuarial Mathematics, Badajoz, Spain.

40.-Boado-Penas, M. C., Sakamoto, J., & Vidal-Meliá, C. (2009). Models of the Actuarial Balance of the Pay-as-You-Go Pension System. Paper presented at the 4th International Colloquium of the IAA Pension, Benefits and Social Security Section (PBSS), Tokio, Japan.

39.-Vidal-Meliá, C., Boado-Penas, M. del C., & Settergren, O. (2009, June 11-12). Improving the equity, transparency and solvency of pay-as-you-go pension systems: NDCs, the AB and ABMs. Paper presented at the 2nd Iberian Congress of Actuaries, Bilbao, Spain.

38.-Vidal-Meliá, C. (2009, October 7). Instrumentos para mejorar la Equidad, Transparencia y Solvencia de los Sistemas de Pensiones de Reparto: NDC, BA y MFA. Ponencia invitada, Congreso de los Diputados, Comisión no permanente del Pacto de Toledo, Madrid, Spain.

37.-Boado-Penas, M. C., Sakamoto, J., & Vidal-Meliá, C. (2009). Models of the Actuarial Balance of the Pay-as-You-Go Pension System: A Review and Some Policy Recommendations. Paper presented at the Non-Financial Defined Contribution (NDC) Pension Systems: Progress and New Frontiers in a Changing Pension World Conference, Estocolmo, Sweden.

36.-Vidal-Meliá, C., Boado-Penas, M. C., & Settergren, O. (2008). Automatic Balance Mechanisms in Pay-As-You-Go Pension Systems. Paper presented at the XVI Foro de Finanzas, ESADE, Barcelona, Spain.

35.-Vidal-Meliá, C., Boado-Penas, M. C., & Settergren, O. (2008). Automatic Balance Mechanisms in Pay-As-You-Go Pension Systems. Paper presented at the XII Italian-Spanish Congress of Financial and Actuarial Mathematics, Cagliari, Italy.

34.-Vidal-Meliá, C. (2008, January 21). Mejora de la equidad y sostenibilidad financiera del sistema público español de pensiones de jubilación mediante el empleo de cuentas nocionales de aportación definida (NDCs). Jornada FIPROS, Ministerio de Trabajo y Asuntos Sociales, Madrid, Spain.

33.-Vidal-Meliá, C., Boado-Penas, M. C., & Settergren, O. (2008). Mecanismos financieros de ajuste automático en el sistema de pensiones de reparto. Paper presented at the XI Encuentro de Economía Aplicada, Salamanca, Spain.

32.-Vidal-Meliá, C., Boado-Penas, M. C., & Settergren, O. (2008). Mecanismos financieros de ajuste automático en el sistema de pensiones de reparto. Paper presented at the Primer Congreso Ibérico de Actuarios, Lisboa, Portugal.

31.-Boado-Penas, M. C., Valdés Prieto, S., & Vidal-Meliá, C. (2007). An Actuarial Balance Sheet for Pay-As-You-Go Finance: An Application to Spain. Paper presented at the 2nd International Colloquium of the IAA Pension, Benefits and Social Security Section (PBSS), Helsinki, Finland.

30.-Boado-Penas, M. C., Domínguez Fabián, I., & Vidal-Meliá, C. (2007). Notional Defined Contribution Accounts (NDCs): Solvency and Risk; Application to the Case of Spain. Paper presented at the Seminarie scientifique, Burdeos, France.

29.-Boado-Penas, M. C., Valdés Prieto, S., & Vidal-Meliá, C. (2007). The Actuarial Balance Sheet for Pay-As-You-Go Finance: Solvency Indicators for Spain and Sweden. Paper presented at the XV Foro de Finanzas, Palma de Mallorca, Spain.

28.-Vidal-Meliá, C., Boado-Penas, M. C., & Domínguez-Fabián, I. (2006). Cuentas nocionales de aportación definida (NDC): Solvencia y riesgo del tanto nocional. Aplicación para el caso español. Paper presented at the 8vo. Congreso Panamericano de Actuarios, Buenos Aires, Argentina.

27.-Vidal-Meliá, C., Boado-Penas, M. C., & Domínguez-Fabián, I. (2006). NDC’s: Selection of the Notional Rate and Quantification of the Solvency: Application to the Case of Spain. Paper presented at the XIV Foro de Finanzas, Castellón, Spain.

26.-Vidal-Meliá, C., & Lejárraga-García, A. (2004). The bequest motive and single people's demand for life annuities. 7th Italian-Spanish Conference on Financial Mathematics, Universidad de Castilla-La Mancha, Cuenca, España.

25.-Vidal-Meliá, C., & Lejárraga-García, A. (2004). Demand for life annuities from married couples with a bequest motive. XII Foro de Finanzas, Universidad Pompeu Fabra, Barcelona, España.

24.-Vidal-Meliá, C., Domínguez Fabián, I., & Devesa-Carpio, J. E. (2003). Beneficiary risk in notional defined contribution accounts. XI Foro de Finanzas, Alicante, España.

23.-Vidal Meliá, C., Lejárraga García, A., & Devesa Carpio, J. E. (2003). Modalidades de pensión y jubilación en las parejas. XIII Jornadas Hispano-Lusas de Gestión Científica, Lugo, España.

22.-Vidal Meliá, C., Lejárraga García, A., & Devesa Carpio, J. E. (2003). Defined Contribution Pensions, Married Couples, and the Annuity Puzzle. VII Congreso de Matemática Financiera y Actuarial, Trieste, Italia.

21.-Vidal-Meliá, C., Devesa Carpio, J. E., & Lejárraga García, A. (2002). Cuentas nocionales de aportación definida: Fundamento actuarial y efecto de la implantación en España. Paper presented at the X Foro de Finanzas, Sevilla, Spain

20.-Devesa Carpio, J. E., Rodríguez Barrera, R., & Vidal Meliá, C. (2002). Medición de los costes de gestión para el afiliado en los fondos de pensiones. XVI Congreso Nacional y XII Congreso Hispano-Francés AEDEM, Gran Canaria, España.

19.-Vidal Meliá, C., & Lejárraga García, A. (2002). Regulating Withdrawals from Individual Pension Accounts in the Countries of Latin America and Decisions for the Consumer in Retirement. VI Congreso de Matemática Financiera y Actuarial, Valencia, España.

18.-Vidal Meliá, C., Lejárraga García, A., & Devesa Carpio, J. E. (2002). Sistema de pensiones de jubilación basado en cuentas nocionales: Efectos de su implantación en España. XVI Congreso Nacional y XII Congreso Hispano-Francés AEDEM, Alicante, España.

17.-Devesa Carpio, J. E., Rodríguez Barrera, R., & Vidal Meliá, C. (2001). Medición de los costes de gestión para el afiliado en los fondos de pensiones. XVI Congreso Nacional y XII Congreso Hispano-Francés AEDEM, Gran Canaria, España.

16.-Devesa Carpio, J. E., & Vidal Meliá, C. (2001). Perspectivas para la reforma de los sistemas de pensiones en Europa. II Congreso Iberoamericano de Actuarios, Buenos Aires, Argentina.

15.-Devesa Carpio, J. E., Lejárraga García, A., & Vidal Meliá, C. (2000). The Internal Rate of Return of the Pay-As-You-Go System: An Analysis of the Spanish Case. IX Congreso Internacional AEDEM, Temuco, Chile.

14.-Devesa Carpio, J. E., Lejárraga García, A., & Vidal Meliá, C. (2000). Los sistemas de pensiones reformados en Latinoamérica: Una visión europea. IX Congreso Internacional AEDEM, Temuco, Chile.

13.-Devesa Carpio, J. E., & Vidal Meliá, C. (1999). Una aproximación a la viabilidad del sistema de pensiones de reparto: Aplicación a las pensiones de jubilación en España. III Simposio Panamericano de Seguridad Social, Bogotá, Colombia.

12.-Vidal-Meliá, C., & Devesa Carpio, J. E. (1998). Perfil de ingresos salariales y riesgo de tipos impositivos: Aproximación al trabajador por cuenta ajena. VI Foro de Finanzas, Jaén, Spain.

11.-Jordá Durá, M. P., Devesa Carpio, J. E., & Vidal Meliá, C. (1998). Solvency and pension arrangements: The problems of Spanish companies. VII Congreso Internacional AEDEM, Estambul, Turquía.

10.-Devesa Carpio, J. E., Rodríguez Barrera, R., & Vidal Meliá, C. (1998). La viabilidad del sistema de pensiones de reparto a través del tanto de rendimiento implícito: Una aplicación al caso español. X Congreso de AECA, Zaragoza, España.

9.-Jordá Durá, M. P., Devesa Carpio, J. E., & Vidal Meliá, C. (1997). El riesgo impositivo en operaciones de ahorro individual con tributación diferida. IV Congreso de Matemática de las Operaciones Financieras, Barcelona, España.

8.-Devesa Carpio, J. E., & Vidal Meliá, C. (1997). Planes de Pensiones individuales y sobreimposición. IV Foro de Finanzas, Madrid, España.

7.-Jordá Durá, M. P., & Vidal Meliá, C. (1996). Adaptación a la normativa de la Unión Europea en materia de compromisos por pensiones: Una aproximación al coste de las entidades financieras. VI Congreso Internacional Hispano-Francés, Granada, España.

6.-Devesa Carpio, J. E., & Vidal Meliá, C. (1996). Perfil de ingresos y alternativas individuales de ahorro-pensión. III Foro de Finanzas, Bilbao, España.

5.-Jordá Durá, M. P., & Vidal Meliá, C. (1995). Adaptación a la normativa de la Unión Europea en materia de compromisos por pensiones. V Congreso Internacional Hispano-Francés, Toledo, España.

4.-Jordá Durá, M. P., Devesa Carpio, J. E., & Vidal Meliá, C. (1995). Una aproximación a los Planes de Prejubilación. III Congreso de Matemática de las Operaciones Financieras, Las Palmas de Gran Canaria, España.

3.-Vidal Meliá, C., Devesa Carpio, J. E., & Jordá Durá, M. P. (1994). El sistema de pensiones de reparto en España: Una visión general. IV Simposio Iberoamericano de Seguridad Social, Madrid, España.

2.-Jordá Durá, M. P., & Vidal-Meliá, C. (1994). Ahorro convencional y activos financieros con tributación totalmente diferida. II Foro de Finanzas, Madrid, Spain.

1.-Jordá Durá, M. P., & Vidal-Meliá, C. (1993). Planes de pensiones para pymes: Una propuesta. III Congreso Nacional ACEDE, Valencia, Spain.

Referee activity

Anales del Instituto de Actuarios de España; Applied Economics; Asia and Pacific Risk and Insurance; Astin Bulletin; CIRIEC-España; Estudios Gerenciales; European Commission; European Journal of Government and Economics (EJGE); Fundación Ramón Areces; Generalitat de Cataluña; Geriatric Nursing; Humanities and Social Sciences Communications; Innovar; Insurance, Mathematics and Economics; International Social Security Review; John Wiley and Sons; Journal of Risk and Financial Management, Journal of the Economics of Ageing; KU Leuven; Marriage & Family Review; North American Actuarial Journal; Open Acces Economics; Quality & Quantity; Revista Española de Financiación y Contabilidad; Revista Europea de Economía y Dirección de Empresas; Servicio de Publicaciones de la Universidad de La Rioja; Socio-Economic Planning Sciences; Sustainability; The Geneva Papers on Risk and Insurance; The Journal of Economics of Ageing, The Journal of Pension Economics and Finance; The Journal of Risk and Insurance; The World Bank Reform Primer; World Development.