Teresa Ghilarducci
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tghilarducci.bsky.social
Teresa Ghilarducci
@tghilarducci.bsky.social

Labor economist focusing on #retirement security. Director, Schwartz Center for Economic Policy Analysis (SCEPA)

Teresa Ghilarducci is an American scholar on labor and retirement issues. She has advocated for government to extend occupational retirement plan coverage to all workers. She published Rescuing Retirement in 2018; the book makes the case for a Guaranteed Retirement Account that would supplement Social Security. In 2016 she wrote a popular book, How to Retire with Enough Money: And How to Know What Enough Is. One of her most recent books, When I’m Sixty Four: The Plot Against Pensions and the Plan to Save Them, investigates the loss of pensions on older Americans and proposes a comprehensive system of reform. Her previous books include Labor's Capital: The Economics and Politics of Employer Pensions, winner of an Association of American Publishers award in 1992, and Portable Pension Plans for Casual Labor Markets, published in 1995. Ghilarducci is an executive board member of the Economic Policy Institute, a member of the Retirement Security Advisory Board for the Government Accountability Office, court appointed trustees for the retiree health care trusts for UAW retirees of GM, Ford, and Chrysler and the USW retirees of Goodyear Tire. Ghilarducci won an Association of American Publishers award for her book Labor's Capital: The Economics and Politics of Employer Pensions in 1992. She previously taught economics for 25 years at the University of Notre Dame. .. more

Business 43%
Economics 30%

“Automatic stabilizers” like unemployment insurance, healthcare access & Social Security are essential — not optional. The LA Times argues that bold leadership must restore the idea of government as the solution, not the problem.
Read the article: www.latimes.com/california/s...
Commentary: How can Newsom stay relevant? Become the new FDR
The spotlight of Proposition 50 has gone cold. How can Gov. Gavin Newsom remain nationally relevant in his run for the White House?
www.latimes.com

Reposted by Teresa Ghilarducci

Now in Generations Journal - The new article by Frank Heiland, Joelle Saad-Lessler & Karen Richman explains how the RET affects income and work decisions and why it’s often misunderstood by those most impacted.
generations.asaging.org/the-social-s...
The Social Security Retirement Earnings Test - ASA Generations
What lower-income workers and retirees need to know.
generations.asaging.org

Reposted by Teresa Ghilarducci

"Understanding Late Arriving Immigrants’ Social Security Eligibility and Retirement Security"
Almost half of Social Security “never beneficiaries” are immigrants who arrived later in life—working longer, yet often excluded from key benefits.

Read more: generations.asaging.org/understandin...
Understanding Late Arriving Immigrants’ Social Security Eligibility and Retirement Security - ASA Generations
This overlooked group faces steep barriers to finding work and then to accessing social safety net programs.
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Formerly incarcerated elders are being left behind again—this time by the Social Security system. New research by christian gonzález-rivera & Ruth Finkelstein exposes the barriers and offers real policy fixes.
Read Left Behind Twice (Oct 22, 2025): generations.asaging.org/left-behind-...
Left Behind Twice: Fixing Social Security for Formerly Incarcerated Elders - ASA Generations
Older adults leaving prison face a Catch-22 of bureaucracy, digital ignorance and limited help when applying for benefits.
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

Who pays the price of unpaid eldercare? Research in Generations Journal finds women & caregivers of color lose the most work time & financial security.
@jessforden.bsky.social @tghilarducci.bsky.social
generations.asaging.org/unseen-costs...
Unseen Costs: How Providing Eldercare Impacts Work and Economic Security - ASA Generations
Women are more likely to receive care, and many other findings from a study of HRS, ATUS, and CPS data.
generations.asaging.org

Reposted by Teresa Ghilarducci

Millions of Americans care for aging loved ones — but who cares for them? Our piece explores how unpaid caregivers manage retirement and financial strain, and why the U.S. needs to investment in long-term care.
@jessforden.bsky.social @erinsimmons.bsky.social
generations.asaging.org/caregiving-a...
Caregiving and Retirement: Social Security and the Financial Strain of Eldercare - ASA Generations
Caregivers often turn to Social Security payments to make ends meet, leaving them in a vulnerable position later in life.
generations.asaging.org

Reposted by Teresa Ghilarducci

A 2.8% Social Security COLA ≈ $52/month. But most retirees say it won’t cover rising costs. Why the COLA is failing:
- Inflation outpaces the raise
- Medicare premiums offset gains
- Wrong inflation index for seniors
Read more: www.forbes.com/sites/teresa...
#SocialSecurity #COLA #RetirementCrisis
Today’s Social Security COLA Is Inadequate For Three Reasons
The 2026 Social Security COLA fails to match inflation because benefits lag, Medicare costs rise, CPI-W is quirky and older women lose most.
www.forbes.com

Reposted by Steven Pressman

Reposted by Steven Pressman

Reposted by Teresa Ghilarducci

New in Generations: NYRDRC’s Jennie Kaufman & Na Yin explore how older workers with disabilities navigate home care needs—and the strain this places on families & benefit systems. Read “Contending With Home Care Needs After a Work Disability” here:

generations.asaging.org/contending-w...
Contending With Home Care Needs After a Work Disability - ASA Generations
Who tends to become disabled, what benefits are available for caregiving, and how might benefits impact household income long-term?
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

The people who care for our loved ones often do so without protections or benefits. A new piece from Ruth Finkelstein and colleagues explores: What happens when vital care work goes ‘off the books’? #DirectCare #CareEconomy #Aging
generations.asaging.org/the-complex-...
The Complex Impact of ‘On’ and ‘Off the Books’ Work - ASA Generations
Estimating what we miss about direct care workers’ employment, earnings, and retirement savings.
generations.asaging.org

Reposted by Teresa Ghilarducci

Reposted by Teresa Ghilarducci

New easy-to-read publication out: Preliminary findings from mixed methods work on student debt and retirement, conducted by myself and @erinsimmons.bsky.social under @tghilarducci.bsky.social 's team at @scepa-economics.bsky.social and @nssrnews.bsky.social

generations.asaging.org/student-debt...
Student Debt Is Not Just for Kids - ASA Generations
A mixed-methods analysis of the impact of student debt on retirement security and claiming age
generations.asaging.org

Reposted by Teresa Ghilarducci

The SCEPA team is so proud to have work featured in the latest edition of Generations Journal, "Transformative Approaches to Social Security Benefits" on who Social Security leaves behind and why that must change. This is a call for equity, evidence & action.
generations.asaging.org/publications...
Transformative Approaches to Social Security Benefits - ASA Generations
Generations Journal, vol. 49, no. 3 (Fall 2025)
generations.asaging.org

Reposted by Teresa Ghilarducci

President Trump’s weakening support among voters over 65 reflects growing economic anxiety, as nearly half of older workers approach retirement without enough savings to maintain their standard of living or even stay above the poverty line.

www.newsweek.com/donald-trump...
Donald Trump’s approval rating plunges with baby boomers
Baby boomers were critical to Trump’s 2024 victory, when 51 percent of the age group voted for him.
www.newsweek.com

The job market is worsening. Uncertainty from tariff policy & lack of investment outside AI is driving a slowdown. Long-term unemployment is rising—and the true jobless rate is worse than reported. Don’t expect improvement soon. #economy #jobs #recession
youtube.com/watch?v=zd7k2KUQoZg
Unemployed woman says search for work has been "impossibly difficult"
YouTube video by CBS Evening News
youtube.com

Reposted by Steven Pressman

Too many still believe the U.S. doesn't have a retirement crisis. But new research shows Late Boomers, Gen X, & Millennials face a far riskier future. I spoke with Dan Doonan about why the "don't worry" narrative is dangerous. Our Q&A in @forbes.com :
www.forbes.com/sites/dandoo...
Is America’s Retirement System Failing Future Retirees?
As America ages and income inequality deepens, concerns about retirement security are mounting.
www.forbes.com