Policymakers can increase American retirement security by restricting employers from offering company stock in tax-preferred 401(k) plans.
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We should reduce Social Security benefits for middle- and high-income earners to encourage more working and saving—and free up the government to focus on the daunting challenges of Medicare and Medicaid.
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Raising the EEA may be one of the most effective options available for improving retirement-income security and would improve the federal budget in one year nearly as much as the recent health reform bill was projected to do over ten years.
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Ballooning costs for Social Security, Medicare, and Medicaid are leading the United States toward fiscal crisis.
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Current state pension accounting practices are inaccurate and outmoded; a more accurate accounting demonstrates that state pension funds are underfunded by more than six times the amount the plans report.
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Making a cost-of-living adjustment (COLA) to Social Security benefits might actually be detrimental to retirees, not helpful.
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The unpredictability of Social Security benefits is just as big a problem for retirement planning as stock losses in a 401(k). Here is how policymakers can address it.
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The Case for Cutting the Social Security Tax for Workers near Retirement
One reform to extend working years and enhance income security in retirement would be to reduce or eliminate the payroll tax for individuals above a given age.
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The Retirement Security "Crisis"
While policymakers should work to strengthen Social Security and private pension savings, talk of a crisis in retirement income preparedness appears premature.
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Making Social Security Progressivity Work for Low-Income Retirees
Individuals with lower lifetime earnings receive better treatment on average from Social Security, but lifetime earnings area weak predictor of how any one person will be treated by the program.
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