The Benefits Gap: A 20th Century Safety Net in a 21st Century Workforce
The U.S. social safety net is built around a traditional full-time employment model, in which benefits such as health insurance, retirement savings, and unemployment insurance are tied to a single, long-term employer. However, Gen Z is entering a workforce defined by job mobility, multiple income streams, and nontraditional employment. As a result, many young workers are not just in different jobs—they are operating in a system that no longer provides consistent access to basic protections. The issue is not the rise of new work, but the failure of existing benefit structures to adapt.