Issue Briefs

This article presents updated results from the latest Survey of Income and Program Participation (SIPP) data on retirement plan participation, providing “top-line” results from the SIPP data on retirement plan participation. Press release EBRI Notes Sep 20, 2005 16 pages

A variety of factors, including rising health care costs, increasingly suggest that individuals who are trying to plan for a secure retirement face a gathering storm, speakers told about 100 participants at the Employee Benefit Research Institute’s spring policy forum. EBRI researchers and nearly a dozen other experts examined the different forces at work that threaten Americans’ economic security in retirement as they discussed three topics: Social Security overhaul, 401(k) enrollment and accumulations, and health savings accounts. Press release
EBRI Notes Aug 9, 2005 12 pages

This Issue Brief examines the state of employment-based health benefits among workers with respect to offer rates, coverage rates, and take-up rates. It also examines how the state of employment-based health benefits has changed since the mid-1990s, reasons why workers do not have employment-based health benefits from their own employer, and how these reasons have changed since the 1990s. EBRI Issue Brief Aug 8, 2005 28 pages

Automatically enrolling new workers appears to be a significant factor in increasing account balances in 401(k) plans, with lower-income individuals benefiting the most, according to a new model developed by EBRI and the Investment Company Institute (ICI). The finding is important because employment-based 401(k) plans have become the dominant retirement savings option for millions of American workers, and the amount of retirement income many Americans will have when they reach 65 will depend to a large degree on how long they participate in a 401(k) plan, how much they contribute to the plan, and how they invest their 401(k) assets. EBRI Issue Brief Jul 13, 2005 28 pages

Although most of the debate over Social Security has focused on retirement benefits, the program also pays disability and survivor benefits as well. According to this EBRI study, retirement benefits would have to be cut substantially or taxes increased if federal policymakers agreed to protect disability payments as part of any overhaul of Social Security,if disability benefits are to be preserved at the level provided in current law—as many policymakers say they should. Press release.

EBRI Notes Jul 13, 2005 20 pages

which finds that while the uninsured population of the United States is still dominated by native-born Americans, it is becoming increasingly comprised of immigrants, and the trend appears to be accelerating. Also included in this issue is a fact sheet on "The Basics of Medicare." Press Release EBRI Notes Jun 1, 2005 16 pages

which presents a detailed examination of a unique community-based initiative to expand health care coverage to uninsured workers at small firms in Muskegon, Mich. EBRI Issue Brief Jun 1, 2005 32 pages

which seeks to provide answers to how the public will be affected by fundamentally different approaches to Social Security reform. This analysis compares "Model 2" individual accounts from the 2001 President's Commission to Strengthen Social Security (the closest detailed proposal to what President Bush has endorsed) with three basic options: Raising taxes, imposing sharp ("cliff") benefit cuts, and gradually reducing benefits. EBRI Issue Brief May 1, 2005 32 pages

EBRI Issue Brief Apr 1, 2005 32 pages

EBRI Issue Brief Mar 1, 2005 20 pages