EBRI December Policy Forum #84

Retirement, Health, and Financial Wellbeing

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Welcome and Session Kick-Off

  • Lori Lucas, President and CEO, EBRI
  • Michael Doshier, Vice Chair, Public Policy Advisory Council

How Do Financial Wellness Initiatives Move the Dial?

This session will explore the return on investment of financial wellness initiatives, with perspectives on how financial wellness initiatives — such as emergency savings, budgeting help, student loan debt assistance, and others — can move the dial on employees' financial security and employment satisfaction. It also asks the question: Is it that simple?

  • Moderated by: Warren Cormier, Executive Director of DCIIA’s Retirement Research Center
  • Jack VanDerhei, Director of Research, EBRI
  • Jana Baressi, Senior Director, Federal Government Affairs at Walmart
  • Irene Skricki, Senior Financial Education Program Analyst, BCFP

Considerations in the Retirement Income Phase of Life (Account Balances, Income Streams, and RMDs! Oh My!)

U.S. retirees juggle multiple resources in retirement — Social Security, homeownership, DB and DC plan accumulations, and IRAs — and plan sponsors, financial services providers, and policymakers seek to understand how current workers are managing income and assets as they move to and through retirement and how the process could be improved. This session will lay out retiree resources and income replacement across the income distribution before drilling down with more detail into how IRA investors manage their IRA withdrawals. Plan sponsors actively innovating in helping their participants transition to retirement will share their considerations as they contemplated changes to their plan offerings around how retirement income is being delivered by the employer.

  • Moderated by: David Blanchett, Head of Retirement Research, Morningstar
  • Peter Brady, Senior Economist at the Investment Company Institute
  • Craig Copeland, Senior Research Associate, EBRI
  • Jeff Hutson, Chief Communication Officer, Indiana Public Retirement System (INPRS)
  • Diana Winalski, Head of 401(K) Product Management, International Paper

What Does the Future Hold for the Employment-Based Health Benefits System?

The employment-based health benefits system is the most common form of health coverage in the United States, covering 167 million people under age 65 in
2017. Despite the fact that workers value health insurance more than any other employee benefit, the system faces a number of potential threats in the future. Public policies related to the Cadillac tax, Medicare-for-all, and proposals that would allow insurance to be purchased in the individual market using employer funding, as well as market developments, such as the gig economy and high-priced medical advances, such as specialty medications, may all affect whether there is an employment-based health benefits system in the future.  This panel will examine the pros — and the cons — of having an employment-based health benefits system. It will also examine whether there is an alternative to the employment-based system that would produce higher-quality care, better service, and lower price, and what that alternative might look like.

  • Moderated by: Tami Simon, The Segal Company
  • Paul Fronstin, Director, Health Research & Education Program, EBRI
  • Sabrina Corlette, Research Professor, Center of Health Insurance Reforms, Georgetown University Health Policy Institute
  • Joseph Antos, Wilson H. Taylor Scholar in Health Care and Retirement Policy, American Enterprise Institute

Policy Keynote