TEMPE, Ariz. - Most people look forward to a comfortable retirement, but when it comes to saving for it, many women face a dilemma: Research shows they'll make less money during their careers and they usually live longer than most men.

In past generations, many women could count on a spouse's retirement fund - but in today's world, they need to make a plan to take care of themselves. Theresa Conti, co-chair of the Arizona Chapter of Women in Pensions Network, said not thinking about money is a luxury women can no longer afford.

"Women don't talk about money or they weren't taught how to save," she said, "and were we going to depend on our spouse or Social Security or something like that? We weren't taught how to save and why it's important."

If their company has a retirement plan, Conti said, women should participate in it to the fullest extent allowed. And if it doesn't, she recommended consulting with a reputable adviser to start saving as much and as early as possible.

On average, Conti said, women make about 80% what men make for the same job. She said more women lost jobs during the pandemic, and they haven't been able to contribute as much to retirement savings in the past year.

"Were they in a situation where they got laid off or their spouse got laid off, or they needed to take some of that money that was allowed under the CARES Act that is ultimately going to hurt their retirement at the end? I definitely think that's a valid concern," she said.

Daniel Doonan, executive director of the National Institute on Retirement Security, said another element of a secure retirement is some form of long-term care insurance.

"Health-care costs continue to grow faster than wages." he said. "If we're living longer, more people are going to need long-term care, which is very expensive, but it's very uneven. You might not have any costs for one individual; another person could face hundreds of thousands of dollars dealing with Alzheimer's."

While many government employers and some unions still have traditional defined-benefit pensions, most companies with a retirement plan offer a self-directed IRA or 401(k), in which the employee is responsible for saving and investing their funds.

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Some retirement basics are online at investopedia.com.

In the final days of the legislative session, Kentucky Senate lawmakers could consider the "Momnibus" bill, which would increase access to critical prenatal and post-birth care for new moms and babies.

House Bill 10 would extend the state's voluntary home-visitation program for expectant parents to when a child reachs age three, and would include lactation assistance and telehealth.

Bonnie Logsdon, a board-certified lactation consultant and birth doula, said many women have to return to work a few weeks after giving birth and often lack the tools or knowledge to have a positive lactation experience.

"They need access to those quality supplies," she stressed, "and they need someone who can teach them how to use the pump, which is again where that lactation support would come into play."

The Momnibus bill would add pregnancy to the list of qualifying life events, so pregnant people could get health-insurance coverage and begin prenatal care visits.

Kentucky has the second-highest maternal mortality rate in the nation, according to the Centers for Disease Control and Prevention.

The bill would also expand mental-health counseling through the Lifeline for Moms Psychiatry Access Program.

In Letcher County, Courtney Rhoades said she's had a complex pregnancy, and has struggled to cope with stress and maintaining her physical health. She noted it's critical that first-time moms like herself have a place to turn for support, where they don't feel judged.

"Then to be finding out we're having twins," Rhoades said, "I am really excited to know that there's these programs available that otherwise I didn't know about."

Renee Basham, executive director of Hope's Embrace, said communities increasingly are aware of the role doulas can play in pre- and post-natal care. She added many of her clients need assistance.

"A lot of the clients that we work with, some of them have support, a lot of them don't," said Basham. "Doulas are extra important in that role, because if we weren't there, they wouldn't have anybody with them as they gave birth."

House Bill 10 would open the door to more research on the role of doulas in the birth experience, and how their expertise is being used for care and to reduce disparities in the Commonwealth.


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Advocates for women veterans, who've experienced sexual trauma while serving in the military, are asking state lawmakers for much-needed funding.

Previous legislation backed the creation of two sexual trauma liaisons at community-based organizations in the state, but funding never came to fruition.

Executive Director of the Augusta-based Sisters-in-Arms Center, Rebecca Cornell du Houx, said lawmakers have a chance to help veteran survivors rebuild their lives.

"To have a consistent clinician there to provide that trauma treatment to the woman veteran in a place that they're safe," said Cornell du Houx, "I think, can really, really support their recovery."

Cornell du Houx said one in three women soldiers experience some form of sexual trauma while in the military but many incidents go unreported.

There are more than 10,000 women veterans currently living in Maine.

Women veterans are one of the fastest-growing sectors of the homeless population, and are four times more likely to become homeless than their male peers.

Researchers also now identify military sexual trauma as the biggest factor driving a more than 60% increase in suicide rates among women veterans since 2001.

Cornell du Houx said while group therapy is available to these veterans, state funding would provide for more formalized treatment - especially for those coming off active-duty.

"I think if people knew the stories of what had happened to these women while they were in the service, just really disheartening stories of assault," said Cornell du Houx, "I think that they wouldn't hesitate to fund a position so that they could get help."

Cornell du Houx said sexual trauma is most prevalent among lower-ranking seventeen and eighteen-year-olds, who are influenced to think that reporting an incident is a betrayal of a fellow soldier.

She said it's important to support those who have come forward, to advocate for themselves and others, and who took an oath to serve their country.





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New research shows more than six in 10 abortions in the U.S. last year were medically induced, and U.S. Sen. Catherine Cortez Masto - D-NV - is sounding the alarm over the Supreme Court's decision to hear a case that could restrict access to the abortion pill mifepristone.

It is the first major case related to women's reproductive rights since the Court overturned Roe v. Wade in 2022.

On Tuesday, after hearing oral arguments, the Court seemed likely to preserve access to the medication.

Cortez Masto said the country has witnessed what she calls "the tragic consequences of abortion restrictions," which started with the country's highest court.

"This just goes to show you," said Cortez Masto, "far-right extremists are going to stop at nothing to restrict women's rights when it comes to their reproductive freedom - that is why we can't give up."

Cortez Masto contended mifepristone is safe and effective and is also critical for miscarriage care.

But the case presented to the Supreme Court by anti-abortion doctors claim the Food and Drug Administration acted too quickly in removing restrictions on the drug.

If the court rules in favor of the plaintiffs, mifepristone access could stop immediately in all states - including those where abortion is legal such as Nevada.

Critics of the drug say it carries significant side effects, include bacterial infections and prolonged, heavy menstrual bleeding.

While mifepristone may not be prohibited all together, restrictions on the pill could be reinstated.

Cortez Masto argued conservative groups never planned to stop with just repealing Roe v. Wade, but adds they are aiming to roll back women's rights all together.

"That is why we can't give up," said Cortez Masto. "We have to continue to use our voices and be advocates to fight for women's rights."

The Supreme Court could make a decision on the case in June.

In the Silver State, a coalition is working to get an amendment on the ballot this November to enshrine abortion rights in the Silver State's constitution.