Social Security card on top of financial document

Releasing the Social Security Trustees Report a couple of months later than usual always raises the intriguing question that it might include some titillating new information.  For better or worse, the 2025 Trustees Report is standard fare.  It confirms what has been evident for almost three decades – namely, Social Security is facing a 75-year…

Pink piggy banks overhead view

For decades, we and other commentators have asserted that, at any given time, roughly 50 percent of private sector workers participate in an employer-sponsored retirement plan.  It used to be easy to check out the “50 percent” number because the federal government’s Current Population Survey (CPS) produced data on coverage and participation for public and…

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There’s growing discussion of “social” housing as part of the solution to the ongoing housing crisis. While it can have...

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Two different measures tell a similar story. Working longer has been generally accepted as good advice for a secure retirement. ...

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This paper compares how Black and White workers with stable jobs fare after an unemployment shock. Using administrative earnings data from the Continuous Work History Sample, the analysis compares the earnings trajectories of Black and White workers who are displaced during three recessions (1990-1991; 2000-2001; and 2008-2009)…

Even the best-laid plans can go awry.  Individuals face many hurdles to adequate planning for retirement and, even when precautions are taken, they may be overwhelmed by a big enough shock.  In particular, large medical and long-term care spending shocks can devastate retirees’ hard-won finances…

Many who are familiar with state and local government finances are concerned that rising pension contributions could be crowding out important government services. And, some academic literature does find that higher pension contributions are associated with reduced employment in local governments and school districts. The issue is particularly acute for school districts, which must maintain…

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Mother and daughter looking at health insurance options

Most Americans think Medicare covers long-term care, the regimen of daily help that many seniors will eventually require. It does not. 

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Demand and costs for care are rising at the same time that a labor shortage threatens to worsen.