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Text: the Ticking Time Bomb: What State Governments Can Do About Retirement Income Adequacy (PDF)
Employee Benefit Research Institute [EBRI] 
Nov. 10, 2004
Pages 1-9. Excerpt: This article summarizes discussions at two regional meetings held in September 2004 by members of the Reforming States Group about how state governments can most effectively respond to the likelihood that a large number of today's public- and private-sector workers won't be able to afford even a modest standard of living in retirement, particularly if they get hit with major home health or nursing home bills.
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