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  3. The early retirement of experienced workers is seriously harming the US economy, according to a new report from the Hudson Insti

The early retirement of experienced workers is seriously harming the US economy, according to a new report from the Hudson Insti

admin2012-10-23  72
问题     The early retirement of experienced workers is seriously harming the US economy, according to a new report from the Hudson Institute, a public policy research organization. Currently, many older experienced workers retire at an early age. According to the recently issued statistics, 79 percent of qualified workers begin collecting retirement benefits at age 62; if that trend continues, there will be a labor shortage that will hinder the economic growth in the twenty-first century.
    Older Americans constitute an increasing proportion of the population, according to the US Census Bureau, and the population of those over age 65 will grow by 60% between 2001 and 2020. During the same period, the group aged 18 to 44 will increase by only 4%. Keeping older skilled workers employed, even part time, would increase US economic output and strengthen the tax base; but without significant policy reforms, massive early retirement among baby boomers seems more likely.
    Retirement at age 62 is an economically rational decision today. Social Security and Medicaid earnings limits and tax penalties subject our most experienced workers to marginal tax rates as high as 67%. Social Security formulas encourage early retirement. Although incomes usually rise with additional years of work, any pay increases after the 35-year mark result in higher social Security taxes but only small increases in benefits.
    Hudson Institute researchers believe that federal tax and benefit policies are at fault and reforms are urgently needed, but they disagree with the popular proposal that much older Americans will have to work because Social Security will not support them and that baby boomers are not saving enough for retirement. According to the increase in 401 (k) and Keogh retirement plans, the ongoing stock market on Wall Street, and the likelihood of large inheritances, there is evidence that baby boomers will reach age 65 with greater financial assets than previous generations.
    The Hudson institute advocates reforming government policies that now discourage work and savings, especially for older worker. Among the report’s recommendations: Tax half of all Social Security benefits. regardless of other income; provide 8% larger benefits for each year beyond 65; and permit workers nearing retirement to negotiate compensation packages that may include a lower salary but with greater healthcare benefits. However, it may take real and fruitful planning to find the right solution to the early retirement of older experienced workers; any measures taken must be allowed to prolong the serviceability of older experienced workers.
The second paragraph is written chiefly to show that ______
选项 A、there will be an acute labor shortage in the near future.
B、baby-boomers contribute much to the US economic output.
C、government policies concerning older people are out-dated.
D、alder workers are enthusiastic about collecting social benefits.
答案A
解析 题干问：“写作第二段主要是为了说明……”。第2自然段作者通过对比老年人和青壮年的人口增长率，说明了美国即将面临劳动力短缺的问题。且文章第1自然段最后一句也讲述了美国有经验的人提前退休造成劳动力短缺的问题。因此A“在不久的将来劳动力将急剧短缺”为正确选项。而选项B“战后生育高峰时期出生的人对美国的经济产量做出了巨大的贡献”，是对原文信息的错误理解。选项C“政府关于老年人的政策已经过时了”，文中虽然提到必须改变政府的政策，但这并不是第二段的写作目的。选项D“老工人热衷于领取社会福利”偏离了第二段讲述的中心。
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