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Despite neater said work commitment on the part of women approachiig retirement age, work absences and intermittent careers, as well as concentration in low-wage work, ensure their continued heavy dependence on Social Security. A strong argument can be made in favor of Social Security reform that better reflects the marital status, living arrangements, and work experiences of individuals and families at the end of the twentieth century. Women would also benefit from a number of proposed reforms to the private pension system. This article highlighls the need and prospects for public policies to expand and strengthen the nation's retirement income system. It concludes the prospects for significant reform and expansion are gloomy and that longer worklives may be necessary as a result.
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