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Workers in low-wage households are more likely to experience economic shocks and to withdraw from their retirement accounts, exacerbating pre-existing inequalities in the retirement savings system.

Working paper— This study evaluates a Social Security "Catch-Up" contribution program, a proposal which would help mid-career workers narrow the gap between what they need in retirement and their projected retirement wealth. 

Working paper— Social Security benefits are progressive and reduce the unequal distribution of retirement wealth generated by a broken employer-based retirement system. This study identifies what is driving the loss of bargaining power suppressing older workers' wages. 

ReLab's study of retirement wealth inequality between 1992 and 2010 finds that the retirement system is failing everyone, with those at the bottom suffering the most. This article has been accepted for publication in a revised form in the journal of Pension Economics and Finance. Our corresponding policy note, "Extreme Inequality is Persistent, Even Among Those With Similar Earnings," discusses policies to address the inequalities baked into our system.

The rates of elder poverty among widows and single women are higher than among couples and men.

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.