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Research Brief
Black and Latino Retirement (In)Security
February 2012, by Nari Rhee

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Black and Latino seniors are more likely to be in the lowest income group among retirees. They also rely more heavily on Social Security and have less access to other types of retirement income than white retirees.

Elder poverty rates are twice as high among Blacks and Latinos compared to the US elder population as a whole. 19.4 percent of Black seniors (age 65 and older) and 19.0 percent of Latino seniors have incomes below the federal poverty line, compared to 9.4 percent for the senior population as a whole.

Less than half of employed Blacks and less than a third of employed Latinos in full-time jobs are covered by an employer sponsored retirement plan, a critical resource in ensuring adequate retirement income. Given high rates of unemployment in the Black community, both job access and job quality are critical to improving retirement prospects for the current generation of Black workers.

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