How Much Do Americans Say They Have Accumulated in Savings?
EBRI Fast Facts April 25, 2006 1 pages
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'Changes in the OASI Benefit Distribution Under Various Social Security Reform Alternatives,' and 'Tax Expenditures and Employee Benefits: Estimates From the FY 2007 Budget'
Social Security: The article examines changes in the distribution of Old-Age and Survivors Insurance benefits (the primary Social Security program) under five reform options, and notes that any changes in Social Security could have a dramatic effect on the percentage of elderly living below the poverty level. Tax Expenditures and Employee Benefits: In his budget, the president is required to provide a list of “tax expenditures”—federal tax revenue foregone due to preferential provisions. This includes both tax-deferred programs (in which tax revenue ultimately will be collected) and tax-exempt programs (in which no revenue will ever be collected). Press release. EBRI Notes Apr 11, 2006 12 pages
Will More of Us Work Forever? The 2006 Retirement Confidence Survey
This Issue Brief reports findings from the 16th annual Retirement Confidence Survey (RCS), which suggests that many American workers are not ready to undertake the task of financial planning for their own retirement and face the prospect of having to work far longer than they expect. EBRI Issue Brief Apr 4, 2006 28 pages
T-145: U.S. Senate Special Committee on Aging on Gender Disparities in Retirement Security
EBRI Testimony March 15, 2006 17 pages
Many Factors Affect Receipt of Pension, Annuity Income
EBRI Fast Facts March 15, 2006 1 pages
Defined Benefit Plan Freezes: Who's Affected, How Much, and Replacing Lost Accruals
This new EBRI analysis quantifies how workers are likely to be affected by pension freezes, and how much they would have to save in a 401(k)—whether provided by their employer and/or saved by themselves—to offset the loss of accrued benefits from the pension freeze. EBRI Issue Brief Mar 8, 2006 20 pages
What Health Plan Would Americans Recommend to a Friend?
EBRI Fast Facts March 7, 2006 1 pages
(1) Retirement Plans and Retirement Confidence in Higher Education; and (2) Retirement Annuity and Employment-Based Pension Income Among Individuals Ages 50 and Over
The Retirement Confidence Survey of College and University Faculty was conducted to better understand the retirement planning and saving behavior of college and university faculty, as well as to gauge perceptions regarding various aspects of their retirement preparations. Press release. The analysis of retirement annuity and pension income for those over 50 notes that demographic factors remain key indicators, the gender gap closing, and annuity income streams disappearing. EBRI Notes Mar 2, 2006 12 pages
Distribution of Older Population’s Average Annual Income
EBRI Fast Facts Feb 23, 2006 1 pages
Designing Benefits With Evidence in Mind
This Issue Brief explores whether an old concept (benefit design) and a newer concept (evidence-based clinical information) can be more explicitly linked in order to better focus care on health improvement, and to discourage services and costs that do not result in improved health. EBRI Issue Brief Feb 16, 2006 16 pages
Sources of Income of Elderly Population Vary Widely
EBRI Fast Facts Feb 7, 2006 1 pages
"Traditional" Pension Assets Lost Dominance a Decade Ago, IRAs and 401(k)s Have Long Been Dominant
EBRI Fast Facts Feb 3, 2006 1 pages
Survey of Consumer-Driven Health Plans Raises Key Issues
Four issues dominated the most recent Employee Benefit Research Institute (EBRI) policy forum, which was devoted to the release of a ground-breaking nationwide survey of consumer-driven health plans and a discussion of the results. Press release. EBRI Notes Feb 2, 2006 12 pages
IRA and Keogh Assets and Contributions, and Income of the Elderly Population, Age 65 and Over, 2004
These two articles report current data on assets and trends in individual retirement accounts (IRAs) and Keoghs (for the self-employed), and on the sources of income of the elderly (age 65 and Over). IRA press release. EBRI Notes Jan 16, 2006 16 pages
Retirement Plan Participation and Retirees’ Perception of Their Standard of Living
A new EBRI study shows the value of preserving lump-sum distributions from 401(k) and assets from other retirement plans when you switch jobs: “A significantly higher percentage of those who spent their lump-sum distributions entirely reported their standard of living (in retirement) as being somewhat or much worse than was reported by those who rolled over their entire distribution (24.5 percent compared with 16.2 percent),” the study says. EBRI Issue Brief Jan 10, 2006 44 pages
"Finances of Employee Benefits: Health Costs Drive Changing Trends," and "Lump-Sum Distributions"
The first article shows how rising health costs are driving a shift in benefits, that health costs account for the bulk of voluntary employer-provided benefits, and that benefits take a growing share of total compensation. The second article notes that workers are increasing offered a lump-sum distribution of their retirement assets, and that while roll-overs are increasing, leakage from the retirement asset system is still significant. For Health Benefits Trends press release, click here. For Lump-Sum Distributions press release, click here. EBRI Notes Dec 12, 2005 20 pages