Lack of coverage in employer-based plans and insufficient personal savings leave more than one-third of all households (and more than 75% of low-income households) entirely dependent on Social Security for their retirement income. And, because Social Security replaces only about 40% of pre-retirement income for low-wage workers and less than a third for median-wage workers, those who rely on it as their sole source of income live at or below the poverty line.
基于雇主的退休计划覆盖不足和个人储蓄不足导致三分之一以上家庭（以及超过75%的低收入家庭）完全依靠社会保障获得退休收入。此外，由于社会保障只能取代低收入员工40%的退休前收入（以及中位收入员工不到三分之一的退休前收入），依赖社会保证作为唯一收入来源的群体将在贫困线上下挣扎。（其他发达国家的取代率在70%区间，而退休专家的建议基准替代率为80%）。