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

Guaranteed Retirement Accounts: Everything You Need to Know

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.

The Persistence of Extreme Retirement Inequality

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

Support for NYC Proposal to Expand Retirement Coverage

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

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...

  • 2.5% U-3 Headline Unemployment
  • 5.2% ReLab's U-7 Inclusive Unemployment
  • $913 Full-Time Workers' Median Weekly Earnings
  • 41% Workplace Retirement Coverage

Resource Library

Alternative Work and Reservation Wages

The increase in alternative work arrangements (temp agency workers, gig work, etc.) 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. 

The Impact of Guaranteed Retirement Accounts on the Retirement Crisis

  Guaranteed Retirement Accounts (GRAs), proposed in the 2018 book Rescuing Retirement, are universal individual accounts funded throughout a worker’s career by employer and employee contributions and a refundable tax credit. If GRAs were implemented in 2018,1.5 million seniors would be saved from poverty or near poverty by 2025. This increases to 3.6 million seniors by 2035 and 8.1 million seniors by 2045. If we do nothing to reform the current retirement system, the number of...

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.