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The most effective way to save for retirement is through a workplace-based retirement plan, but many workers lack access to one. To help close this gap, a number of states have adopted programs that require employers without a plan to auto-enroll their workers in an Individual Retirement Account (IRA). These accounts use the Roth structure,…

School teacher with students

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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Oregon is one of the few states that encourages employers to find ways to help employees who sustain on-the-job injuries...

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One aspect of the pandemic that has persisted is the increased relevance of remote work.  This shift could help older people with disabilities, who might otherwise find it hard to get or keep jobs.  Indeed, this group has a higher employment rate post-pandemic than pre-pandemic…

This study investigates the accessibility of websites for the Achieving a Better Life Experience (ABLE) account program for people with disabilities, which is critical for ensuring individuals can fully benefit from ABLE accounts.  Utilizing the Wave Evaluation Tool, Adobe Pro DC’s Accessibility Checker, and the Flesch-Kincaid (FK) readability formula, this study comprehensively analyzes 44 ABLE…

In recent years, 16 states have launched or are preparing to launch auto-IRA programs that require employers without a retirement plan to auto-enroll their workers in an IRA. Although studies have begun to document outcomes in the nascent auto-IRAs, less attention has been paid to their interaction with other safety net programs, particularly Medicaid…

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THE WALL STREET JOURNAL

Clare Ansberry and Anne Tergesen

Families face soaring costs and mounting pressures in taking care of their loved ones. ‘I never feel truly free.’

Social Security card treading water in waves

PBS NEWSHOUR

Seventy million Americans receive Social Security benefits. But the program is paying out more than it’s taking in.