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

Uncovering the Struggles of Older Workers in the Labor Market

In the ever-evolving U.S. labor market landscape, the plight of older workers often remains overlooked.

Never ever ever will Social Security be eliminated

"Never ever ever will Social Security be eliminated", SCEPA Director Teresa Ghilarducci told Yahoo Finance recently, "the political and economic case for the program have never been stronger".

Americans’ Retirement Savings Fall Short By Nearly $500,000

Teresa Ghilarducci’s article in Forbes titled, American’s Retirement Savings Fall Short by Nearly $500,000 discusses the shortcomings of the American retirement system and emphasizes the urgent need for reform in the U.S. retirement system to better serve its workers and elders.

Resource Library

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

Issue Brief | Why does the United States’ pension system perform poorly compared with systems in other countries? The United States can significantly improve its comparative performance by mandating retirement savings, plugging leakages, professionalizing investments, and expanding annuities. 

Lowballing Elder Poverty: Who Counts As “Poor” In America?

Relative senior poverty levels are more than double the official U.S. rate. Issue Brief | Official U.S. poverty rates significantly undercount America’s elderly poor. According to internationally-recognized relative poverty measures, more than 12 million older Americans are poor. Policymakers should adopt relative poverty measures to address the depth and extent of elder poverty in America.

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.