RELAB WORKING PAPER | The number of earnings shocks people experience - job loss, divorce, health emergencies, etc - differs by income level, contributing to inequality in retirement wealth.

RELAB WORKING PAPER | This paper finds that negative economic shocks cause 401(k) contribution behavior to react in ways consistent with reactions to fear and past trauma.

RELAB POLICY NOTE | Despite spending $100 billion a year in retirement tax breaks, the U.S. faces a retirement income security crisis.

RELAB WORKING PAPER | This study finds that economic shocks and other factors continuously cause changes in 401(k) contributions.

RELAB WORKING PAPER | SCEPA’s Retirement Equity Lab (ReLab) released a report that is the first to quantify the real effect of the retirement crisis - poverty. 

RELAB POLICY NOTE | This policy note illustrates that the average total balance in all retirement accounts is inadequate for retirement security.

RELAB WORKING PAPER | This reports addresses the decline in workers' bargaining power and the changes in norms relating to benefits provision.

RELAB WORKING PAPER | This study concludes that 401(k)-type retirement plans exacerbate recessions.

RELAB POLICY NOTE | This report documents the consequences of declining employer-sponsored plans in New York City.

RELAB WORKING PAPER | This report finds that only a bare majority of workers in Minnesota have access to retirement accounts at work.

RELAB POLICY NOTE | This fact sheet provides documentation and analysis on retirement account balances of near retirees and documents the growing trend toward a retirement income security crisis.

RELAB WORKING PAPER |  This paper recommends expanding and reforming retraining programs and the creation of tax incentives.

RELAB WORKING PAPER | This report reveals that fewer and fewer Connecticut employers are offering pension plans to their employees.

RELAB WORKING PAPER | This report reveals that fewer and fewer Connecticut employers are offering pension plans to their employees.

RELAB WORKING PAPER | This study utilizes data from the Current Population Survey (CPS) to compute sponsorship trends in North Carolina.

WORKING PAPER | We investigate how older unemployed Americans are living, the impact of the Affordable Care Act reform, and whether the unemployment faced by older Americans is cyclical or structural in nature.

REPORT | This report, published by New York City Comptroller John C. Liu, reveals that a growing number of New Yorkers don't have enough money to retire.

WORKING PAPER | If current trends persist, nearly 750,000 workers approaching retirement who live in metropolitan areas of New York State, are projected to be poor or near poor in retirement.

WORKING PAPER | While the harm caused by unemployment is unique to each person, this study focuses on the staggering variety of challenges and perils shared by older people.

RELAB WORKING PAPER | This study is a comparative analysis of how large pension institutions, such as Social Security and market-based 401(k) plans, impact the long-term business cycle.