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Mark Miller: Remaking Retirement

The 2021 Retirement Landscape

Medicare and Social Security solvency are among the top retirement challenges this year, says contributor Mark Miller.

The Biden administration and Congress will face a long list of retirement policy challenges--and their urgency has been accelerated by the pandemic.

Even before the coronavirus crisis, a large share of households faced the risk of a declining living standard in retirement. Half of Americans over age 65 who live alone lacked the resources to pay for basic living needs, according to the Elder Index, produced by the Gerontology Institute at the University of Massachusetts Boston. Two thirds of single Black retirees--and three fourths of single Latinos--have incomes below the index. Older women living alone have a 57% risk of economic insecurity, compared with 46% for men.

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