Insights Blog

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. 

Older workers have not been able to save adequately for retirement.

ReLab's new report, "40% of Older Workers and Their Spouses Will Experience Downward Mobility in Retirement," finds that inadequate retirement accounts will cause 8.5 million middle-class older workers and their spouses to be downwardly mobile in retirement, falling into poverty or near poverty in their old age.

President Trump‘s record-long State of the Union address offered two short points relevant to ordinary people‘s finances, including retirement accounts and after-tax income.


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.