@article {8209,
	title = {Why Don{\textquoteright}t Lower-Income Individuals Have Retirement Saving Plans?},
	journal = {Communities and Banking},
	volume = {16},
	year = {2015},
	pages = {16-19},
	publisher = {16},
	abstract = {Lower-income individuals  lower employment rate and the smaller probability of their working for an employer that offers pensions underlie the pension gap between higher- and lower-income groups.},
	keywords = {Income, Pensions},
	author = {April Yanyuan Wu and Matthew S. Rutledge and Penglase, Jacob}
}
@article {5868,
	title = {Will the Average Retirement Age Continue to Increase?},
	year = {2015},
	institution = {Boston, MA, Center for Retirement Research at Boston College},
	abstract = {Using Health and Retirement Study (HRS) data, this paper examines how changes in individual workers  past and present pension coverage, retirement incentives in Social Security, and retiree health insurance have contributed to retirement decisions for the 1931-1953 birth cohorts. It then uses these findings to project retirement behavior for the 1955-1987 cohorts in the Survey of Income and Program Participation (SIPP). A key assumption is that younger cohorts will have no defined benefit (DB) pensions or retiree health coverage in their future jobs. A key limitation is the assumption of a stable relationship in each successive cohort between each factor and labor market decisions.},
	keywords = {Employment and Labor Force, Pensions, Retirement Planning and Satisfaction, Social Security},
	author = {Matthew S. Rutledge and Gillis, Christopher M. and Anthony Webb}
}
