Racial Disparities

Silhouette of a human men set Blend from thin to slim to thick fat, vector fit slim man obesity, concept of weight loss, health and healthy lifestyle

The fortunes of Americans whose wealth is in the top 10 percent have soared, leaving the rest of the country trailing in their wake. But let’s focus instead on the unsettling trends that have developed within the middle class. Both the health and finances of older workers have deteriorated in the bottom half of “t…

Senior black woman calculating her retirement annuity at home

Social Security’s design is known to help Black individuals and those with lower socioeconomic status due to the progressive benefit formula, but this effect is partially offset by the shorter life expectancies of these groups.  However, valuing Old-Age and Survivors Insurance (OASI) solely on expected benefits neglects the program’s longevity insurance value, which favors individuals…

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