woman, man at computer Because ofSocial Security's progressive benefit formula, the averagetwo-earner couple has a Social Security replacement rate that isnot only lower than the one-earner couple but also that for singlewomen. (Photo: Shutterstock)

Because of the way Social Security was designed—and when—womenthe most at risk for coming up short of funds in retirement areactually those in two-earner married couples.

This counter-intuitive finding is the conclusion of a brief from the Center forRetirement Research at Boston College, which sought to discover howa woman's changing marital history affects her retirementincome.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.