RELAB POLICY NOTE |The Social Security benefit structure penalizes people who claim before age 70. Yet over one-fifth of eligible people claim before their full retirement age (age 67 for those born in 1960), and over 90 percent claim before the maximum age of 70, resulting in reduced monthly benefits.

CHARTBOOK | ReLab's chartbook documenting retirement insecurity and the decline in older workers' bargaining power is a resource for workers, employers, media, policymakers, scholars, and the broader public to answer questions about the state of older working America and retirement income security.

RELAB POLICY NOTE | An additional 3.1 million older workers will fall into lifelong poverty in retirement. Overall, the 67 million older workers and their spouses in the U.S. will suffer a decrease of 7 percentage points in their retirement replacement rate.

RELAB WORKING PAPER | ReLab's new report, "Disparities & Erosion in New York’s Workplace Retirement Coverage," documents two trends in retirement plan coverage.

RELAB POLICY NOTE | Inadequate retirement accounts will cause 8.5 million middle-class older workers and their spouses to be downwardly mobile, falling into poverty or near poverty in their old age.

RELAB POLICY NOTE | The number of 65-year-olds per year who are poor or near poor will increase by 146% between 2013 and 2022.

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.