Changes

==Social Security and women==

==Social Security and women==

According to a study by researchers at Harvard University, virtually every woman-single, divorced, married, or widowed-would probably be better off financially under a system of personal retirement accounts, the earnings of which could be shared by spouses. The researchers studied 1,992 actual women who retired in 1981, and compared their Social Security benefits to what they would have received from a personal account that returned 6.2 percent. Every woman studied would have been as well off or better off with a personal account. Not one woman was worse off under a voluntary system. On average, personal accounts would have provided the single women with 58 percent more than Social Security and wives with 208 percent more. Those higher returns are critical to women's well-being in retirement. Today, Social Security leaves 13.6 percent of women in poverty: the good news is that the research shows that it doesn't have to be that way. In addition, voluntary account plans typically include a safety net that can ensure that every woman's retirement income is at least at or above the poverty line.

According to a study by researchers at Harvard University, virtually every woman-single, divorced, married, or widowed-would probably be better off financially under a system of personal retirement accounts, the earnings of which could be shared by spouses.{{fact}} The researchers studied 1,992 actual women who retired in 1981, and compared their Social Security benefits to what they would have received from a personal account that returned 6.2 percent.{{fact}} Every woman studied would have been as well off or better off with a personal account.{{fact}} Not one woman was worse off under a voluntary system. On average, personal accounts would have provided the single women with 58 percent more than Social Security and wives with 208 percent more.{{fact}} Those higher returns are critical to women's well-being in retirement. Today, Social Security leaves 13.6 percent of women in poverty. {{fact}} Research shows that it doesn't have to be that way.{{fact}} In addition, voluntary account plans typically include a safety net that can ensure that every woman's retirement income is at least at or above the poverty line.{{fact}}

==Reform==

==Reform==