Insights Blog

Guaranteed Retirement Accounts (GRAs) are universal, affordable, and portable accounts that provide workers with a monthly paycheck in retirement that lasts the rest of their lives.

In a first-of-its-kind analysis, ReLab’s latest policy note reveals sharp inequalities in retirement wealth.

The key to Mayor de Blasio's retirement proposal - and to closing New York City's retirement coverage gap - is requiring employers to participate. 

The rates of elder poverty among widows and single women are higher than among couples and men.

American workers’ access to retirement savings coverage is getting worse. New data show that employer-provided retirement coverage for all workers dropped 4 percentage points between 2014 and 2017 to 40%.  Coverage for those nearing retirement - workers ages 55 to 64 - fell 7 percentage points to 44%.


ReLab's new report, "The Impact of Guaranteed Retirement Accounts on the Retirement Crisis," finds that if the GRA were implemented in 2018, 8.1 million seniors would be saved from old-age poverty or near poverty by the year 2045.

This report documents the growth in older workers’ unstable and low-wage jobs from 2005 to 2015.

This report demonstrates how low and decreasing retirement plan coverage rates and the shift from traditional defined benefit pension plans to 401(k)-type plans are threatening New Yorkers’ financial readiness for retirement. 


SCEPA works to focus the public economics debate on the role government can and should play in the real productive economy - that of business, management, and labor - to raise living standards, create economic security, and attain full employment.