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Pension Sponsorship and Participation: Summary of Recent Trends (CRS Report for Congress)

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Release Date Revised Sept. 11, 2015
Report Number RL30122
Report Type Report
Authors Patrick Purcell, Domestic Social Policy Division
Source Agency Congressional Research Service
Older Revisions
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Summary:

The aging of the American population has made retirement income an issue ofincreasing concern to the Congress and the public. Americans are living longer thanever before, and although they are living longer, many are retiring earlier. Moreover,while the nation's population continues to grow, the decline in birth rates thatfollowed the post-World War II "baby boom" coupled with longer life spans willresult in fewer workers relative to the number of retirees. This will place significantfiscal strains over the next several decades on programs like Social Security andMedicare that provide benefits mainly to the elderly. All of these trends will affect theeconomic well-being of future retirees. Pensions and Social Security benefits will bepaid over longer periods of time; savings will have to be stretched over longerretirements; and Social Security payments and Medicare benefits will have to befinanced by a working population that is shrinking relative to the number of retirees.
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