As stocks go up and unemployment comes down, an increasing number of older Americans find themselves dodging bill collectors and spiraling into debt. Many warn of severe economic repercussions if this continues. But there’s more—large swaths of downwardly mobile seniors who thought of themselves as middle class is also a recipe for political chaos. Economist […]
How Much Would Senator Rubio’s Paid Leave Program Help New Parents?
Unlike every other high-income nation, the United States does not guarantee paid leave to new mothers (Addati, Cassirer, and Gilchrist 2014). To expand paid leave options, Senator Marco Rubio (R–FL) introduced legislation this month that would allow new parents to use part of their future Social Security retirement benefits to finance time off from work […]
Modernizing Social Security: Caregiver Credits
Women still tend to work fewer years and earn less than men, which leads to less income in retirement. One reason is that women are often still the main family caregiver. Traditionally, Social Security has recognized this role by providing spousal and widow benefits for married women. Today, however, many women are not eligible for […]
Replacement Rates for Hypothetical Retired Workers
Adequacy and equity of Social Security benefits are major policy considerations for the program. One measure of adequacy is the percentage of pre-retirement earnings that Social Security benefits replace, or the “replacement rate”. The numerator of this replacement rate is well established as the Social Security benefit. One indicator of equity is the degree of […]
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