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  • About the Author: Anna M. Rappaport

    Anna Rappaport is an internationally recognized expert on the impact of change on retirement systems and workforce issues. Following a 28-year career with Mercer Human Resource Consulting, Rappaport e…

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17 Sep. 2019 | Comments (0)
Using Tools to Help Employees Plan for Retirement
Retirement planning is complex. There are calculations required and data is needed. How many calculations and how much data depends on the type of pla…

31 Jul. 2019 | Comments (0)
Helping Employees Plan for Long-Term Care
Research indicates that there are huge gaps in long-term care planning. The need for help, and possibly a lot of help, later in life, has a huge impac…

18 Jun. 2018 | Comments (0)
Learnings from Survey Research with Americans Age 85+
The Society of Actuaries (SOA) recently completed the study The Post-Retirement Experiences of Individuals 85+ Years Old. The research includes in-dep…

06 Oct. 2017 | Comments (0)
Insights from Listening to Older Retirees
This research, together with focus groups conducted in 2015 with retirees who had been retired at least 15 years, provides new insights and demonstrat…

28 Jun. 2017 | Comments (0)
New Ideas for Evaluating Lifetime Income Options
As Defined Contribution (DC) plans have become the primary retirement vehicle in more organizations, there is a growing recognition that the method of…

21 Jun. 2017 | Comments (0)
Financial Wellness Part 2: A Focus on Personal Planning
The Society of Actuaries recently published a collection of essays on financial wellness. Overall, the essays focus on ideas and suggestions to improv…

14 Jun. 2017 | Comments (0)
Financial Wellness Part 1: Employer Program Considerations
Employers seeking to provide benefits that effectively deal with employee needs are increasingly embracing the concept of “Financial Wellness.” Empl…

19 Jul. 2016 | Comments (0)
Helping your Employees Choose Between a Lump Sum or a Monthly Pension
Employer-sponsored retirement plans are an important source of retirement security for those employees with long service in companies that provide the…

31 May. 2016 | Comments (0)
Thinking about Employer Support for Retirement Advice
The Society of Actuaries’ publication Retirement and Investment Advice: A Guide for Employers identifies a range of approaches that are available to e…

03 Feb. 2016 | Comments (0)
New Insights on the Finances of Americans Support Need for Financial Wellness Programs
The 2015 new study “How Americans Manage Their Finances”1 provides insights into financial management and at all ages. The study provides insights int…

22 Jan. 2016 | Comments (0)
New Insights into the Finances of Older Americans
The most recent Society of Actuaries’ post-retirement risk research, released in January 2016, offers insights into financial shocks experienced by ol…

04 Jan. 2016 | Comments (0)
Should We Help Employees Secure Retirement Advice?
Employers play a major role in helping their employees achieve successful retirements. They sponsor employee benefit plans, offer education about them…

23 Feb. 2015 | Comments (0)
Helping Employees Make Better 401(k) and Other Retirement Decisions: Focusing on the Questions to Ask
This blog serves as a follow-up to my prior post on Helping Employees Make Better 401(k) and Other Retirement Decisions: Models of Financial Advice fo…

17 Feb. 2015 | Comments (0)
Helping Employees Make Better 401(k) and Other Retirement Decisions: Models of Financial Advice for Retirement Plans
As the Boomers are aging, there is growing concern about how secure Americans will be in retirement. A new Society of Actuaries’ study provides an ove…

05 Feb. 2015 | Comments (0)
Retirement Planning And Long-Term Care – Can You Influence the Future?
This blog serves as a follow-up on my recent post: Retirement Planning And Long-Term Care— The Impact on Your Employees and Workplace. This article de…

26 Jan. 2015 | Comments (0)
Retirement Planning And Long-Term Care – The Impact on Your Employees and Workplace
The Society of Actuaries newly released monograph: Managing the Impact of Long-Term Care Needs and Expense on Retirement Security Monograph provides v…

08 Dec. 2014 | Comments (0)
Using Phased Retirement And Alternative Work Options To Match Business And Employee Priorities
In my last blog, I examined the need to increase phased retirement and alternative work options for older Americans moving from full-time engagement i…

01 Dec. 2014 | Comments (0)
It Is Time To Revisit Phased Retirement And Alternative Options For Older Worker Employment
More boomers are moving into the traditional retirement age range. When asked, Americans nearing retirement say they expect or want to continue workin…

17 Nov. 2014 | Comments (0)
Time to Take a New Look at Including Lifetime Income Support in Defined Contribution Plans
New guidance from the U.S. Treasury is designed to encourage expansion of the use of income annuities in defined contribution plans. The new guidance …

28 May. 2014 | Comments (0)
New Opportunities to Address Disability and Retirement Savings
New regulations from the Treasury open up opportunities to improve disability coverage and offer the equivalent of a waiver of premium provision. The …

07 Feb. 2014 | Comments (0)
Public Policy Wish List
On January 28, 2014, President Obama gave his State of the Union address. He included some provisions for improving retirement security for those who…

23 Oct. 2013 | Comments (0)
Insights on Financial Decisions in Retirement
This blog post follows up the earlier post on New Insights on How People Retire. It offers further findings from the Society of Actuaries focus group…

15 Oct. 2013 | Comments (0)
New Insights on How People Retire
The Society of Actuaries recently conducted focus groups to learn more about the decisions made by people who have retired voluntarily in the last few…

09 Jul. 2013 | Comments (0)
Rethinking Family-Related Benefit Programs after the Doma Decision
The U.S. Supreme Court held the federal Defense of Marriage Act unconstitutional. This ruling will have many impacts on employee benefits, and extend …

21 May. 2013 | Comments (0)
More on Income Replacement and the Importance of a Paycheck During Retirement
In this post, I wish to highlight the results of a report from The 2012 ERISA Advisory Council, which studied the topic, “Examining Income Replacement…

03 May. 2013 | Comments (0)
How to Improve Disability Protection in the Era of Individual Responsibility
In my last blog, Disability: An Important Issue With Regard to Long Term Retirement Security, I highlighted some of the important findings of a recent…

26 Apr. 2013 | Comments (0)
Disability: An Important Issue With Regard to Long Term Retirement Security
Disability can derail retirement security, but many people do not realize that. In a world where retirement benefits are increasingly provided through…

06 Feb. 2013 | Comments (0)
Thinking About The Social Security Debate
Social Security reform is once again on the national agenda. The results of a new study indicate that Americans prefer raising payroll taxes and incre…

01 Nov. 2012 | Comments (0)
Focus on Helping Employees Build a Paycheck Replacement in Retirement
Successful retirement strategies depend on managing financial resources and life situations during retirement. New resources offer information for emp…

05 Jul. 2012 | Comments (0)
Thinking about the Future of Retirement Security
The 2010 Survey of Consumer Finances has just been released, and it demonstrates a large decline in median family assets as well a more modest decline…

10 Apr. 2012 | Comments (0)
Retirement Planning: SOA Study Finds Keeping Up With Inflation and Having Enough Money for Health Care are Biggest Concerns
The SOA released findings from its 2011 Risks and Process of Retirement Survey, which concludes that pre-retirees and retirees are not taking the risk…

06 Feb. 2012 | Comments (0)
Valuable Resources for Your Employees on Important Retirement Planning Issues
Many employers have shifted away from defined benefit pension plans and are now asking employees to take more responsibility for their retirement.…