RETIREMENT EQUITY LAB REPORTS

  • What Can the United States Learn from the Rest of the World’s Retirement Systems?

    Karthik Manickam, & Teresa Ghilarducci (2024).

    ISSUE BRIEF

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  • U.S. Caregiving System Leaves Significant Unmet Needs Among Aging Adults.

    Jessica Forden, & Teresa Ghilarducci (2023).

    POLICY NOTE

  • Reducing the Unequal Burden of Unpaid Elder Care Work.

    Jessica Forden, Siavash Radpour, Eva Conway, & Teresa Ghilarducci (2023).

    POLICY NOTE

  • Older Workers Claim Social Security While Working, Upending Beliefs About Raising the Retirement Age.it.

    Drystan Phillips & Teresa Ghilarducci (2023).

    POLICY NOTE

  • A Social Security Bridge Option Would Help Reduce Early-Claiming Penalties for those with Retirement Savings.

    Teresa Ghilarducci (2023).

    POLICY NOTE

  • High rents increasingly becoming a driver of financial fragility for low-income older households.

    Eva Conway, Barabra Schuster, Siavash Radpour, & Teresa Ghilarducci (2023).

    POLICY NOTE

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  • Unfriendly Labor Markets for Older Workers Require Bold Moves for Retirement Savings: Analysis of Labor Force Engagement of Older People in Selected States.

    Teresa Ghilarducci, & Owen Davis (2023).

    OWAG

  • Expanding the Earned Income Tax Credit Could benefit Older Workers in New York.

    Aida Farmand & Teresa Ghilarducci (2022).

    POLICY NOTE

  • Retirement Reforms Are Necessary- So Is Strengthening Social Security.

    Owen Davis, Siavash Radpour, Eva Conway, & Teresa Ghilarducci (2022).

    POLICY NOTE

  • A Universal Retirement Plan can Reduce Inequality and Prevent Downward Mobility.

    Siavash Radpour, Eva Conway, & Teresa Ghilarducci (2022).

    POLICY NOTE

  • Physically Demanding Jobs and Involuntary Retirement Worsen Retirement Insecurity.

    Jessica Forden, Siavash Radpour, Eva Conway, Christopher Cook, & Teresa Ghilarducci (2022).

    OWAG

  • 10+ Years of No Wage Growth: The Role of Alternative Jobs and Gig Work.

    Teresa Ghilarducci (2019).

    OWAG

  • Working Longer Cannot Solve the Retirement Income Crisis.

    Teresa Ghilarducci, Michael Papadopoulos, Bridget Fisher, & Anthony Webb (2021).

    POLICY NOTE

  • How Expanding EITC Will Benefit 1.5 Million Low-Income Older Workers.

    Teresa Ghilarducci (2021).

    POLICY NOTE

  • The Stalled Jobs Recovery Pushed 1.1 Million Older Workers Out Of The Labor Force.

    Owen Davis, Bridget Fisher, Teresa Ghilarducci, & Siavash Radpour (2021).

    OWAG

  • Trends in Employer-Sponsored Retirement Plan Access and Participation Rates: Reconciling Different Data Sources.

    Siavash Radpour, Michael Papadopoulos, & Teresa Ghilarducci (2021).

    RESEARCH NOTE

  • Trends in Employer-Sponsored Retirement Plan Access and Participation Rates: Reconciling Different Data Sources.

    Michael Papadopoulos, & Teresa Ghilarducci (2020).

    RESEARCH NOTE

  • Older Women and Older Black Workers are Overrepresented in High-Risk Jobs.

    Aida Farmand, Teresa Ghilarducci, Siavash Radpour, & Bridget Fisher (2020).

    POLICY NOTE

  • Expanding Social Security Benefits All Workers.

    Siavash Radpour, Teresa Ghilarducci, & Anthony Webb (2020).

    POLICY NOTE

  • Social Security Reduces Inequality in Retirement Wealth.

    Teresa Ghilarducci, Siavash Radpour, & Anthony Webb (2020).

    POLICY NOTE

  • Over Half of Unemployed Older Workers at Risk of Involuntary Retirement.

    Michael Papadopoulos, Bridget Fisher, Teresa Ghilarducci, & Siavash Radpour (2020).

    OWAG

  • Recession Increases Downward Mobility in Retirement: Middle Earners Hit From Both Sides.

    Michael Papadopoulos, Bridget Fisher, Teresa Ghilarducci, & Siavash Radpour (2020).

    OWAG

  • Older Workers Know They Face An Unfriendly Labor Market.

    Teresa Ghilarducci (2020).

    OWAG

  • A First in Nearly 50 Years, Older Workers Face Higher Unemployment Than Mid-Career Workers.

    Owen Davis, Bridget Fisher, Teresa Ghilarducci, & Siavash Radpour (2020).

    OWAG

  • Extreme Retirement Inequality Persists, Even Among Those with Similar Earnings.

    Teresa Ghilarducci, Owen Davis, Siavash Rapour, & Anthony Webb (2019).

    POLICY NOTE

  • 20+ Years of Older Workers’ Declining Bargaining Power Status of Older Men’s Wages Fall While Younger Men’s Wages Grow.

    Teresa Ghilarducci (2019).

    OWAG

  • Older Workers Will Be More Vulnerable In The Next Recession.

    Teresa Ghilarducci (2019).

    OWAG

  • Old Age Poverty: Single Women and Widows & A Lack of Retirement Security.

    Teresa Ghilarducci, Martha Susana Jaimes, & Anthony Webb (2018).

    POLICY NOTE

  • 40% of Older Workers and Their Spouses Will Experience Downward Mobility in Retirement.

    Teresa Ghilarducci, Michael Papadopoulos, & Anthony Webb (2018).

    POLICY NOTE

  • The Growth of Unstable and Low-Wage Work among Older Workers.

    Teresa Ghilarducci, Michael Papadopoulos, & Anthony Webb (2018).

    POLICY NOTE

  • The Impact of Guaranteed Retirement Accounts on the Retirement Crisis.

    Teresa Ghilarducci, Michael Papadopoulos, & Anthony Webb (2018).

    POLICY NOTE

  • The Inequitable Effects of Raising the Retirement Age on Blacks and Low-Wage Workers.

    Teresa Ghilarducci, Kyle Moore, & Anthony Webb (2018).

    POLICY NOTE

  • Catch-Up Contributions: An Innovative Policy Proposal For Social Security..

    Teresa Ghilarducci, Anthony Webb, & Michael Papadopoulos (2018).

    POLICY NOTE

  • Inadequate Retirement Savings for Workers Nearing Retirement.

    Teresa Ghilarducci, Michael Papadopoulos, & Anthony Webb (2017).

    POLICY NOTE

  • Larger Birth Cohort Lowers Wages..

    Teresa Ghilarducci, Michael Papadopoulos, & Anthony Webb (2017).

    POLICY NOTE

  • The Need for More Social Security and Secure Pensions.

    Teresa Ghilarducci, & Amanda Novello (2017).

    POLICY NOTE

  • 401(k) Plans: A Failed Experiment.

    Teresa Ghilarducci, Siavash Radpour, & Bridget Fisher (2016).

    POLICY NOTE

  • Household Economic Shocks Increase Retirement Wealth Inequality.

    Teresa Ghilarducci, Siavash Radpour, Bridget Fisher, & Anthony Webb (2016).

    POLICY NOTE

  • Gender and Racial Disparities in Physical Job Demands of Older Workers.

    Teresa Ghilarducci, Bridget Fisher, Kyle Moore, & Anthony Webb (2016).

    POLICY NOTE

  • Policy Options For Cutting Retirement Plan Leakages.

    Teresa Ghilarducci, Siavash Radpour, Bridget Fisher, & Anthony Webb (2016).

    POLICY NOTE

  • Retirement Savings Tax Expenditures: The Need for Refundable Tax Credits at the Federal and State Level.

    Teresa Ghilarducci, Bridget Fisher, Ismael Cid-Martinez, & Joelle Saad-Lesser (2015).

    POLICY NOTE

  • Now is the Time to Add Retirement Accounts to Social Security: The Guaranteed Retirement Account Proposal

    Teresa Ghilarducci, Bridget Fisher, & Zachary Knauss (2015).

    POLICY NOTE

  • 401(K) Tax Policy Creates Inequality.

    Teresa Ghilarducci, & Adam Hayes (2015).

    POLICY NOTE

  • Inadequate Retirement Account Balances for Families Nearing Retirement.

    Teresa Ghilarducci, Siavash Radpour, & Saad-Lesser, J. (2015).

    POLICY NOTE

  • The Hispanic Health Paradox: Implications for Retirement Policy.

    Kyle Moore, Teresa Ghilarducci, & Bridget Fisher (2015).

    POLICY NOTE

  • The Racial Morbidity Gap: Implications for Raising the Retirement Age.

    Kyle Moore & Teresa Ghilarducci (2015).

    POLICY NOTE

  • More Middle Class Workers Will Be Poor Retirees.

    Teresa Ghilarducci (2015).

    POLICY NOTE

  • The Racial Longevity Gap Past Age 65: Implications for Raising the Retirement Age.

    Teresa Ghilarducci & Kyle Moore (2014).

    POLICY NOTE