Retirement Equity Lab (ReLab)

SCEPA's Retirement Equity Lab, led by economist and retirement expert Teresa Ghilarducci, researches the causes and consequences of the retirement crisis that exposes millions of American workers to experiencing downward mobility in retirement.

ReLab Insights

The Time Is Now to Focus On Older Workers

A retirement crisis looms as the labor market becomes less friendly to older workers when they are most numerous and least able to retire.

Racial Disparities In Stress-Related Morbidity

The stratification economics framework may best clarify the causes of racial health disparities and help to develop policy solutions.

The Decline in Older Workers' Bargaining Power

Policy makers need to strengthen older workers’ fallback positions.

Reset Retirement Podcast

Ep 5: Where Do We Go from Here?

Over the last four episodes, we’ve explored how individuals fare in today’s retirement system. In the final episode of our first season, we ask: where do we go from here?

Ep 4: How Long Can We Work?

One of the warning signs of the oncoming retirement crisis is that people are often told they can make up for a lack of retirement savings by working longer. 

Ep 3: Do We Get Shamed by the Retirement System?

In the United States, 8.5 million older people will fall from being middle-class into poverty when they retire if we don’t do anything. With so many at risk, why do people feel alone?

Older Workers Report

Older Workers at a Glance...

  • 11.8% U-3 Headline Unemployment
  • 14% U-7 Unemployment Rate
  • 64.4% Labor Force Participation
  • 3.1 M Downwardly Mobile Due To COVID

Resource Library

The Illusory Benefit of Working Longer on Financial Preparedness for Retirement

Working paper— Contrary to the predictions of theoretical models, working longer does not significantly increase the share of older workers who are financially prepared for retirement. 

Alternative Work and Reservation Wages

Working paper— Workers at all earnings levels would benefit from expanding Social Security. SCEPA proposes defaulting workers into “Catch-Up” contributions, where— starting at age 50— they would contribute an additional 3.1% of their salary.The increase in alternative work arrangements among older workers is due to low wages stemming from older workers' decreased bargaining power. 

New Report: Disparities in NY Retirement Coverage

ReLab's new report, "Disparities & Erosion in New York’s Workplace Retirement Coverage," documents two trends in retirement plan coverage: 1) retirement plan coverage is declining for all New Yorkers, and 2) disparities in coverage continue to exist based on race, education and income. 

Retirement Tools

Guaranteed Retirement Accounts - How They Work

"A Primer on GRAs and How They Work" explains how Guaranteed Retirement Accounts address the retirement crisis. 

Guaranteed Retirement Account Endorsements

Find endorsements of our Guaranteed Retirement Account proposal in "Guaranteed Retirement Account Endorsements."  

Retirement Security Fast Facts

"Retirement Security Fast Facts" details key facts on the state of retirement, downward mobility, and more. 

About SCEPA

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.