While upper-income people often improve their lot faster than the middle class, lower-income workers hardly ever do.

"And it is obviously a greater hardship for the lower-income workers."

Savings banks were originally founded in order to provide a place for lower-income workers to save their money.

Younger and lower-income workers, who need these plans most, may participate the least.

Too few workers, especially young and lower-income workers, are putting away enough money.

Its main focus is in the mining sector and lower-income blue-collar worker.

Yet for many middle- and lower-income workers, this is no longer the case.

The change was most drastic among lower-income workers, who need to increase their savings the most.

But she sees problems in the long run for the industry if too many lower-income workers decide that coverage is beyond their means.

"It will make a significant difference for lower-income workers who are severely disabled and need continued support."