Workforce Issues and Employee Benefits

Home/Research/Workforce Issues and Employee Benefits

Overcoming Barriers to Retirement Security for Women: The Role of Social Security

Summary: The share of women working today is near an all-time high. While their earnings and projected retirement incomes have grown compared to previous generations of women, a significant gender gap still exists. At the same time, women continue to bear most of the responsibility of caregiving, and many have to juggle the demands of work and taking care of a child or adult loved one. To compound this struggle, more women are handling these duties on their own, as more are either never married or divorced. These challenges put a strain on women’s ability to work and earn a decent living, making it difficult to achieve economic security in old age.

December 13th, 2016|

Social Security and the Racial Wealth Gap

SUMMARY: Racial and ethnic gaps in wealth are substantial and persistent.  The wealth of a the typical white household in 2013 was 13 times that of the typical black household and 10 times that of the typical Hispanic household. Social Security is a crucial component of most Americans’ financial security in retirement and makes up the vast majority of retirement wealth for most households of color. The gap in Social Security wealth between white households and households of color is substantially less than the gap in holdings of pension and IRA wealth. As a result, Social Security has a unique advantage to reduce the gap in retirement wealth for households of color. It provides universal coverage, requires mandatory contributions, and provides greater assets to those who need them most. A range of Social Security reform options are available to further reduce the gap in retirement wealth. Download the brief.

December 8th, 2016|

BRIEF: One System, Two Funds, Three Insurance Protections

Summary: Social Security is one system. It consists of two funds that provide three forms of insurance. Its disability, retirement, and survivors protections work together to cover many of the economic risks families face every day. Social Security provides this insurance through two trust funds: the Disability Insurance (DI) Trust Fund and the Old Age and Survivors Insurance (OASI) Trust Fund. OASI protects against the loss of family earnings due to old age or the loss of a breadwinner. DI protects workers against loss of earnings due to a significant, work-limiting impairment. The OASI fund can cover scheduled benefits through 2035, and around three-quarters of benefits through 2090. The DI fund can pay full benefits through 2023, and around four-fifths of benefits through 2090.

November 22nd, 2016|

PRESS RELEASE: Workers’ Compensation Benefits as a Share of Payroll Continue to Decline Even as Employer Costs Rise

WASHINGTON, D.C. – Workers’ compensation benefits as a share of payroll are reaching historically low levels, even as employers shoulder more costs, according to a new report from the National Academy of Social Insurance (the Academy).

Workers’ Compensation Amounts
per $100 of Covered Payroll


Dollar Change

Total Benefits Paid


October 4th, 2016|

REPORT: Workers’ Compensation Benefits, Coverage, and Costs – 2014 Data

Workers' Compensation: Benefits, Coverage, and Costs is the nineteenth in a series by the National Academy of Social Insurance to provide the only comprehensive national data on this largely state-run program. The study provides estimates of workers' compensation payments—cash and medical—for all 50 states, the District of Columbia, and federal programs providing workers' compensation.

*Note: Due to the large size of the file, the report may take a few moments to download

September 29th, 2016|

PRESS RELEASE: William J. Arnone Named Chief Executive Officer of National Academy of Social Insurance

WASHINGTON, D.C. – The National Academy of Social Insurance announced that William J. Arnone has been selected as Chief Executive Officer, beginning July 1, 2016.

As one of the nation’s leading experts on retirement security and employee benefits law, Arnone brings over 35 years of experience in retirement income policy/planning and financial literacy, including assisting large organizations in the realignment of their defined benefit, defined contribution, and hybrid plans with their business imperatives and human resource objectives.

July 6th, 2016|

VIDEO: A Tale of Two Brothers: It Pays to Wait

Thinking about retirement and wondering when to take Social Security? Did you know that waiting even a year or two to claim your benefits can make a big difference in monthly benefits for the rest of your life?

This video is part of the Academy's When to Take Social Security: It Pays to Wait toolkit designed to educate workers approaching retirement about their options for taking Social Security benefits, and about why it can pay to wait.

Production and dissemination of this video is supported by the Alfred P. Sloan Foundation, the Ford Foundation, and the Retirement Research Foundation.

May 3rd, 2016|

Insights from the Top: An Oral History of Medicare and Medicaid

PHOTO (L-R) Edward Berkowitz (Professor of History, George Washington University), William Arnone (Chair, Board of Directors, National Academy of Social Insurance), Acting Administrator Andy Slavitt (Centers for Medicare and Medicaid), and Barbara Manard (Senior Fellow, National Academy of Social Insurance). 

March 17th, 2016|
Go to Top