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

Congress’ JEC Highlights SCEPA Research on Retirement Crisis

On August 14th, the anniversary of the Social Security Act of 1935, the Joint Economic Committee (JEC) of U.S. Congress released two reports on the weakening of the American retirement system featuring research from SCEPA.

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...

  • 6.4 U-3 Headline Unemployment
  • 10.7 ReLab’s U-7 Unemployment Rate
  • 36.3 Employment-to-Population Ratio
  • 1.4 Million Remain Unemployed Since April*

Resource Library

U.S. Retirement Plan Coverage Falls Even Farther

Research note— New research shows that even before the COVID-19 recession, only 36% of workers ages 25-64 were participating in a retirement plan at work, a five percentage point decrease from five years prior.

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. 

Retirement Tools

Chartbook: Retirement Insecurity and Falling Bargaining Power

Brief— 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.

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."