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Retirement security : national and international efforts to expand coverage /
| Clasificación: | Libro Electrónico |
|---|---|
| Otros Autores: | |
| Formato: | Electrónico eBook |
| Idioma: | Inglés |
| Publicado: |
New York :
Nova Publishers,
[2016]
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| Colección: | Retirement issues, plans and lifestyles.
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| Temas: | |
| Acceso en línea: | Texto completo |
Tabla de Contenidos:
- RETIREMENT SECURITY NATIONAL AND INTERNATIONAL EFFORTS TO EXPAND COVERAGE ; RETIREMENT SECURITY NATIONAL AND INTERNATIONAL EFFORTS TO EXPAND COVERAGE ; CONTENTS ; PREFACE ; Chapter 1 RETIREMENT SECURITY: FEDERAL ACTION COULD HELP STATE EFFORTS TO EXPAND PRIVATE SECTOR COVERAGE* ; WHY GAO DID THIS STUDY ; WHAT GAO RECOMMENDS ; WHAT GAO FOUND ; ABBREVIATIONS; BACKGROUND ; Efforts to Expand Workplace Retirement Savings Program Coverage in the United States; Automatic Enrollment ; Saver's Credit ; myRA; Legislative Proposals
- Federal Regulation of Employee Benefit Plans and Individual Retirement Accounts ERISA Preemption; GAPS IN ACCESS LEAVE MANY LOW-INCOME AND OTHER WORKERS WITHOUT WORKPLACE RETIREMENT SAVINGS PROGRAM COVERAGE; Lack of Coverage Is Driven by Gaps in Access ; Lower Income Workers and Those Employed by Smaller Firms Are Much Less Likely to Have Coverage; Given Access, Most Workers Participate ; STATES AND OTHER COUNTRIES USE SIMILAR KEY STRATEGIES TO EXPAND RETIREMENT COVERAGE ; States and Countries We Reviewed Often Combine Workplace Access, Automatic Enrollment, and Financial Incentives
- Workplace Access Automatic Enrollment ; Financial Incentives ; States Can Learn from Other Countries' Experiences Implementing another Key Strategy
- Simplifying Administration and Investment Management ; While Implementation of State Efforts Would Likely Increase Coverage, Some Private Sector Workers May Remain Uncovered ; STATES FACE POTENTIAL CHALLENGES WITH LEGAL UNCERTAINTIES THAT COULD DELAY OR DETER THEIR EFFORTS TO EXPAND COVERAGE WITHOUT FEDERAL ACTION ; ERISA Preemption ; Other Issues Causing Legal Uncertainty ; CONCLUSION ; MATTER FOR CONGRESSIONAL CONSIDERATION
- RECOMMENDATION FOR EXECUTIVE ACTION AGENCY COMMENTS AND OUR EVALUATION ; APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY ; Section 1: Examining Estimates of Retirement Program Access and Participation and Characteristics of Workers Who Lack Coverage ; SIPP and IRS/SSA data ; Data Reliability; Methods for Examining Retirement Program Coverage ; Literature Review and Interviews ; Section 2: Examining Strategies Used in State Efforts to Expand Coverage and the Potential Challenges States Could Face Given Existing Federal Law and Regulations ; List of State Efforts ; State Case Studies
- Section 3: Examining Strategies Used in Other Countries' Efforts to Expand Coverage APPENDIX II: DESCRIPTION OF EFFORTS TO SIMPLIFY ADMINISTRATION AND INVESTMENT MANAGEMENT OF WORKPLACE RETIREMENT SAVINGS PROGRAMS ; Reducing Administrative Burden and Cost for Employers ; Use Employers' Existing Payroll Processes ; Allow Small Employers to Choose Whether to Participate and Other Efforts to Recognize Resource Limitations of Small Employers ; Other Actions to Reduce Administrative Burden for Employer