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

How Student Loan Debt Impedes Retirement and Financial Security for Older Workers

How Student Loan Debt Impedes Retirement and Financial Security for Older WorkersIssue Brief | How are older debtors and their retirement savings impacted by student loans? Our analysis of the data shows that millions of older workers in the U.S. have significant student debt that may hinder their ability to retire comfortably. By: Karthik Manickam Key Findings: There are 2.2 million people over the age of 55 with outstanding student loans. Older workers aged 55 and up in middle-income...

A Critical Survey of Pension Provision And Pension Reform

Working Paper | This essay surveys global pension developments and intellectual basis for pension reform in the last 40 years.

Hidden and Persistent Unemployment Among Older Workers

Research Note | When we examine unemployment and discouraged workers, are we getting the full picture? A deeper dive into the data suggests that official rates of unemployment are missing millions of people.

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.