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About This Resource Center

About 55 million private sector employees in the US have no access to retirement savings plans at work. In response, many states are considering sponsoring plans that would offer simple ways for many workers to improve their retirement security. This resource center provides practical policy information to facilitate the establishment of state plans. It features policy papers from many sources about structuring state-sponsored plans, improving savings, implementing automatic features, and other issues, as well as facts on retirement savings.


Workplace Retirement Plans: Who's Not Covered?

Nearly half of the American workforce does not have the option to save for retirement at work. Without an employer-sponsored plan, their only sources of income in retirement are personal savings and Social Security benefits, which tend to fall far short of what is needed to be financially secure.


How States Are Responding

More than 30 states have taken action to expand workplace retirement savings plans for small business employees, and nine states have enacted legislation. Learn the facts about plan design and see the variety of policies states are pursuing.

Livability Index

How livable is your community?


Designing a State Retirement Plan

As states move forward to create and implement retirement savings plans for private-sector workers, there are important considerations for consumers, employers, and taxpayers.


Who Benefits

Workers, employers and taxpayers all have a stake in state-sponsored retirement savings plans. Several states have commissioned studies of the costs and benefits of various policy proposals, while other experts have estimated the savings to states when more residents are able to save for retirement at work.


Public Opinion on Retirement Savings Plans

Public opinion polls, small business surveys, and expert opinions on state-sponsored retirement savings plans and features like automatic enrollment.


Federal Retirement Reform

As states pursue policies to expand access to workplace retirement plans, experts recommend several approaches for the federal government to reform the current retirement system.


Financial Capability

What is the impact of financial capability on decisions to save for retirement? How can financial capability tools be used to increase savings? See the results of surveys and studies by AARP, the Employee Benefit Research Institute and other experts.

Father and son planting a young tree

Saving Over a Lifetime

How do households balance short-term and long-term financial goals? As the workplace evolves, so does the latest thinking around savings and financial security.

Disrupt Savings: It's Time For Change

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Susan Reinhard is senior vice president and director of AARP Public Policy Institute. Read her latest blogs on family caregiving, healthy living, nursing and more. Read Susan's Blogs

AARP Public Policy Institute experts  blog about the issues they cover, from financial security and Medicare to livable communities and long-term services and supports. Read the latest.