Part one of term paper
The Real Rules of Retirement for Women (and Men too!) INTRODUCTION Policy experts use the analogy of a three-legged stool to illustrate the three components needed for adequate retirement income: a Social Security retired-worker benefit, an employer sponsored pension and individual savings. Although none of these sources of income is assured, ...

Part two of term paper
... will need even more retirement income than men do. Because only a small percentage of older women receive pension income and most do not have significant personal savings, many women must rely on Social Security as their primary source of income. Two-thirds of women over 65 have no pension other than Social Security. The problem is that Social Security was meant to provide only a bare minimum of a "floor of protection" in 1996, the average Social Security benefit for retired female workers was $ ...