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The Influence of Automatic Enrollment, Catch-Up, and IRA Contributions on 401(k) Accumulations at Retirement
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
Social Security Reform: The Importance of Disability Insurance and Annuities in Individual Accounts
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 pagesWill New Grads Have Health Insurance or a 401(k) Plan?
EBRI Fast Facts June 22, 2005 1 pages
The Impact of Immigration on Health Coverage in the United States
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
The Muskegon Access Health “Three-Share” Plan: A Case History
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
T-144: House Ways and Means Committee on retirement policy challenges and opportunities
EBRI Testimony May 19, 2005 10 pages
Comparing Social Security Reform Options
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
T-143: Financial Literacy, before the House Committee on Financial Services
EBRI Testimony April 20, 2005 14 pages
Encouraging Workers to Save: The 2005 Retirement Confidence Survey
EBRI Issue Brief Apr 1, 2005 32 pages
The Impact of the Erosion of Retiree Health Benefits on Workers and Retirees
EBRI Issue Brief Mar 1, 2005 20 pages
Controlling Health Costs and Improving Health Care Quality for Retirees
EBRI Issue Brief Feb 1, 2005 20 pages
"The Relationship Between Income and Health Insurance; Retirement Annuity and Employment-Based Pension Income; and Facts from EBRI: Finances of Employee Benefits, 1960-2003"
EBRI Notes Feb 1, 2005 20 pages
Changes in Wealth for Americans Reaching or Just Past Normal Retirement Age
EBRI Issue Brief Jan 1, 2005 36 pages
"Tracking Health Care Costs: Spending Growth Slowdown Stalls in First Half of 2004"
EBRI Notes Dec 1, 2004 8 pages