Retirement Plans Online
State and Local Retirement Plans in the United States explains how economic and political events have shaped the development of pension plans in the last century, and it argues that changes in the structure and generosity of these plans will continue to shape policy and funding in the future. It also brings to bear a new rationale to the policies behind public sector pension plans. The authors use the history of how early public pension plans were established, how they matured and how they have grown in generosity to analyse what changes may be expected in years to come. Unique in its scope, this comprehensive history of the development of public sector pension plans in the United States during the twentieth century expands upon current ideas relating to the changing economic environment, the passage and evolution of social security and the expansion of the public sector. With the exception of military pension plans, which date from the eighteenth century, the first public sector plans, dating from the late nineteenth century, were established to cover teachers, police officers and fire fighters in large cities. Over time, these retirement plans were extended to other public sector workers and the local plans were often merged with plans for state workers; all of these date from the twentieth century. Here, the authors show just how pension coverage for public sector workers expanded steadily, through the first half of the twentieth century, so that by the 1960s the vast majority of public sector workers were covered by a plan. This analysis demonstrates how economic events and shifts in public policy at the federal, state and local levels helped to shape public sector retirement plans. The authors also compare public plans with private sector plans, and the final chapter focuses on recent changes in public pensions in response to the 'Great Recession', concurrent sharp declines in equity markets and the aging of the public workforce. Academic scholars and students of economics, history and public policy, public administrators, policymakers and all those with an interest in policy development will find the analyses discussed and conclusions drawn here of significance.
Today, there are more military family members than there are total uniformed service members. Sixty percent of the military are married, including more than eighty percent of all career-status personnel, and many have small children. They come from diverse racial and ethnic backgrounds, and they represent a wide variety of family types, including single parents, dual career military couples, and families with eldercare responsibilities. In an effort to cut costs, many of the services utilized by military families are being privatized or outsourced to civilian service providers. This guide is designed to benefit anyone who provides services to these families, particularly those who may have little or no prior knowledge of the unique nature of military families and military family life. This book contains research-based information about the unique needs of military families across various duty-related conditions, as well as within the context of military career demands. Its multi-service focus addresses the provision of human services in both peace and wartime. Topics include military spouse employment, retirement issues, family support during deployments, the New Parent Support Program, and the experiences of adult children of military parents. The authors encourage an understanding of military community-based programs and services, and they offer the reader numerous resources for collaboration with the military community.
Rescuing Retirement offers a solution to one of America's biggest challenges--and a path to financial security for millions of retirees. Over the next two decades, almost 10,000 Americans will reach retirement age every single day. They deserve to live their older years in dignity. Instead, they will experience a dramatic drop in their standard of living. Our country is on a path that will lead to rates of impoverishment for senior citizens not seen since the Great Depression. The reality is America's retirement system is broken. Rescuing Retirement charts a visionary, bipartisan, and surprisingly simple way to solve this problem:
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