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The Impact of Deferring Retirement Age on Retirement Income Adequacy

A new study by EBRI finds that if Baby Boomers and Gen Xers delay their retirement past the age of 65, many of them still would not have adequate income to cover their basic retirement expenses and uninsured health care costs. The research also shows that even if a worker delays his or her retirement age into their 80s, there is still a chance the household will be “at risk” of running short of money in retirement. However, the chance of success for retirement adequacy improves significantly as individuals reach their late 70s and early 80s. EBRI Issue Brief Jun 7, 2011 36 pages

'IRA Asset Allocation' and 'Characteristics of the CDHP Population, 2005-2010'

IRAs: This article provides the first detailed IRA asset allocation information from EBRI IRA Database,TM the only database that is able to anonymously link individual IRA owners across multiple IRA providers. Press release

CDHPs: In the 10 years that consumer-driven health plans (CDHPs) have existed they have tended to attract participants who are better educated, healthier, and have higher incomes than people in traditional health plans, but in recent years, the income differences have begun to narrow. Press release

EBRI Notes May 24, 2011 24 pages

Retirement Income Adequacy With Immediate and Longevity Annuities

For new retirees wanting to ensure they don’t run short of money in retirement, two products offer a source of guaranteed lifetime income: immediate annuities (which immediately begin to generate lifetime income) and longevity annuities (which delay payments until the retiree hits an advanced age, such as 80 or 85). New research by the nonpartisan Employee Benefit Research Institute (EBRI) finds that, generally, either type would be effective at reaching desired income adequacy targets—especially for lower-income retirees. EBRI Issue Brief May 18, 2011 36 pages

The Impact of the 2007–2009 Recession on Workers’ Health Coverage

In yet another measure of damage from the recent economic recession, new data from EBRI show that 2009 marked both the sharpest one-year decline in employment-based health coverage for working-age Americans, and also the first time in recent history that less than 60 percent of individuals under age 65 had health benefits through their job. EBRI Issue Brief Apr 27, 2011 20 pages

“Innovations in Employment-Based Health Benefits,” and “Retirement Income Adequacy: Alternative Thresholds and the Importance of Future Eligibility in Defined Contribution Retirement Plans”

Health Benefits: The future of employment-based health programs in the wake of the 2010 November election and the enactment of the Patient Protection and Affordable Care Act (PPACA) was just one of the topics addressed by human resource and health policy experts at EBRI’s 67th Fall policy forum last December.

Future Eligibility in DC Plans: New research from the nonpartisan Employee Benefit Research Institute (EBRI) shows that being eligible to participate in a defined contribution retirement plan at work is a key factor in whether workers will have enough money to afford basic expenses and cover uninsured medical care in retirement.

EBRI Notes Apr 21, 2011 20 pages

'The Impact of Modifying the Exclusion of Employee Contributions for Retirement Savings Plans From Taxable Income: Results from the 2011 Retirement Confidence Survey,' and 'Employer and Worker Contributions to Account-Based Health Plans, 2006–2010'

Retirement Plan Tax Treatment: New research by EBRI finds that lower-income workers are more likely than upper-income workers to say they would reduce their savings if the tax exclusion for employee contributions to retirement savings plans was lowered or eliminated.

Account-based Health Plans: Contributions from employers to workers’ account-based health plans declined for the second year in a row in 2010, according to new findings by EBRI. However, workers with employee-only coverage responded to the decrease from employers by increasing their own personal contributions; workers with family coverage did not increase their contributions.

EBRI Notes Mar 24, 2011 20 pages