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Debt of the Elderly and Near Elderly, 1992-2004
Families near or in retirement are falling deeper in dept, and the nation’s oldest families—those with family heads age 75 or older—have substantially increased their debt levels, potentially putting their ability to finance their remaining retirement at risk, according to a study released today by EBRI. Press release EBRI Notes Sep 14, 2006 16 pages
Measuring Retirement Income Adequacy: Calculating Realistic Income Replacement Rates
A key weakness of many retirement income models is that they use average estimates for life expectancy, and, consequently, provide workers with only a 50 percent chance of having adequate income in retirement. But a new study by the nonpartisan Employee Benefit Research Institute (EBRI) uses expanded risk analysis and provides a range of probabilities of success. The EBRI model finds that the amount of money Americans will need for an adequate retirement varies widely based on individual factors and often is substantially higher than previously estimated. EBRI Issue Brief Sep 13, 2006 36 pages
How Family Income Affects Retirement Plan Participation
EBRI Fast Facts Sept 5, 2006 1 pages
401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2005
The average account balance among American workers who consistently held 401(k) accounts from 1999 through 2005 increased 50 percent despite one of the worst bear markets since the Great Depression. Among this group, the average account balance increased 10 percent in 2005, according to a study released by the nonpartisan Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI). EBRI Issue Brief Aug 24, 2006 20 pages
How Many Americans Could Be Affected by Pension Bill?
EBRI Fast Facts Aug 1, 2006 1 pages
'Britain’s Answer for Future Retirement Income: Possible Lessons for the United States,' and 'An American Perspective on the Chinese Pension System'
Two articles by EBRI look at the status of the retirement systems in the United Kingdom, where the government has proposed major changes, and in China, where the pension plan is “grossly underfunded.” Press release EBRI Notes Aug 1, 2006 12 pages
The Employment-Based Pension System: Evolution or Revolution?
The nonpartisan Employee Benefit Research Institute (EBRI), in conjunction with AARP, co-sponsored a day-long conference on the future of the U.S. employment-based pension system. This article summarizes the main points raised at the conference: Several conference speakers predicted that the evolution currently under way in the system will lead to radical change and the ultimate demise of private-sector defined benefit pensions, the article reports. Press release EBRI Notes Jul 25, 2006 12 pages
Savings Needed to Fund Health Insurance and Health Care Expenses in Retirement
A couple age 65 retiring today and living to average life expectancy would need $295,000 to cover premiums for health insurance and out-of-pocket expenses during retirement, according to a new study& by the nonpartisan Employee Benefit Research Institute (EBRI). EBRI Issue Brief Jul 20, 2006 32 pages
Retirement Plan Participation Profile, Part V: Older Workers, Between Ages 61–64
EBRI Fast Facts July 18, 2006 1 pages
Retirement Plan Participation Profile, Part IV: Older Workers, Between Ages 51–60
EBRI Fast Facts July 11, 2006 1 pages
T-146: U.S. Senate Subcommittee on Long-Term Growth and Debt Reduction on Participation by Employees of Small Employers in Employment-Based Retirement Plans
EBRI Testimony June 29, 2006 10 pages
Retirement Plan Participation Profile, Part III: Workers Between Ages 41 − 50
EBRI Fast Facts June 27, 2006 1 pages
Retirement Plan Participation Profile, Part II: Workers Who Are 30-Something
EBRI Fast Facts June 20, 2006 1 pages
The Tax Treatment of Health Insurance and Employment-Based Health Benefits
This Issue Brief examines changes that policymakers are discussing, explores the history of tax laws concerning the tax treatment of health benefits and the cost to the federal government in forgone taxes because of these laws, and examines some the advantages and disadvantages that could result from the proposed changes. EBRI Issue Brief Jun 15, 2006 32 pages
Estimating the Value of Changes in OASI Benefits Under Social Security Reforms
This article builds upon a previous EBRI Notes study (April 2006) by determining the change in the distribution of the benefit levels beneficiaries would receive under various Social Security reform proposals. Press release EBRI Notes Jun 13, 2006 12 pages
Retirement Plan Participation Profile, Part I: Younger Workers Ages 21–30
EBRI Fast Facts June 6, 2006 1 pages
Do You Know When You Qualify for Full Social Security Benefits? Only 19 Percent of Current Workers Give the Correct Answer
EBRI Fast Facts May 25, 2006 1 pages
Lump-Sum Retirement Distributions: Some Facts, Figures
EBRI Fast Facts May 8, 2006 1 pages
Individual Account Retirement Plans: An Analysis of the 2004 Survey of Consumer Finances
This Issue Brief examines the incidence of individual account plans among families, as well as the average amount of assets accumulated in these accounts, using the most recent data from the Federal Reserve’s Survey of Consumer Finances (SCF). EBRI Issue Brief May 4, 2006 32 pages