DES MOINES, Iowa - The pandemic has disrupted plans for a secure financial retirement for many Americans, and financial experts say women face a more difficult recovery than men.

Daniel Doonan, executive director of the National Institute on Retirement Security, said because women often work part-time, they're less likely to have a workplace retirement plan.

And women often leave jobs to have children or care for family members, a role that's getting renewed attention during the crisis.

Doonan said those factors, combined with the gender pay gap, limit a woman's ability to comfortably retire.

"The pay gap that exists in the workplace tends to follow women into retirement as well," said Doonan. "And that's true, I think, whether it's a savings plan or whether it's a pension that's more built on your pay over time."

Doonan said he encourages women who have a retirement plan at work to participate to the fullest extent, saving as much - and as early - as possible.

In Iowa, women make 78 cents compared to every dollar earned by men. That's below the national average of 82 cents to the dollar.

Melissa Peterson, government relations specialist at the Iowa State Education Association, said the gender pay gap and ripple effect on retirement is especially burdensome for women of color.

She said the state does have a strong public pension system that helps narrow such gaps. But Peterson said she knows not all women have these protections, including those in the hospitality sector.

"Those kinds of professions, that are dominated by women, and many of those positions were cut during the pandemic," said Peterson.

She said she'd like to see all of Iowa's congressional delegation support equal-pay and paid-leave proposals that have surfaced in Washington.

Advocacy groups have also said states like Iowa should take preventive steps, such as creating an advisory committee on pay equity.

LARAMIE, Wyo. -- Women left the workforce during the pandemic at higher rates than men, and a new report suggests full economic recovery won't be possible if employers do not find ways to bring them back.

Rebekah Smith, director of the Wyoming Women's Foundation, which produced the report, said women workers boost local economies because they invest 90% of what they earn on local goods and services.

The report projected Wyoming would lose at least $45 million in Gross Domestic Product if every Wyoming woman stayed home from work for just one day.

"And so when you look at those two factors together, you see that women not only are contributing a huge amount to the GDP in Wyoming, they are also investing the majority of the money that they earn back into their communities," Smith explained.

Smith contended closing the gender wage gap would help. In 2019, the median average wage for men in Wyoming was $50,000. Women took home just over $37,000. While some argued a majority of women take jobs that tend to pay less, for example, 90% of Wyoming workers in health-care support jobs are women, Smith countered the report suggests ways to make it feasible for women to access higher-paying jobs and leadership positions.

Paid sick and family leave programs can also help more women return to the workforce, because women are more likely to stay home with sick children or other family members.

Smith pointed out access to high-quality and affordable child care, and more flexibility in work hours, would also allow women to work and maintain family commitments.

"With the recent pandemic, that's been something that employers have been more open to, and seen that works can go on in a flexible way," Smith observed. "That's one thing that can be done to encourage women to take on higher positions."

Smith added the report offers opportunities for policymakers to maximize the ability for women to earn self-sufficient wages, enough to meet their basic needs without public or private assistance.

According to the Wyoming Women's Foundation's most recent self-sufficiency standard for Wyoming, a single adult with one preschooler would need to make at least $16.22 per hour in Uinta County, and $29.70 per hour in Teton County.

ALBANY, N.Y. -- Before the pandemic, more women were in the workforce than ever before, and new research ranks New York state fifth in the country for women's economic standing.

The report, from the Institute for Women's Policy Research, reveals both progress and barriers that were present before the recession.

Elyse Shaw, study director for the Institute and co-author of the report, noted New York's ranking for 2019 is the same as 2018. She acknowledged the state has been more proactive with policies, like family medical leave, that further women's equity in the labor force. But she contended there are more areas that require work.

"In New York City, the minimum wage is $15 an hour, but outside of that area, it's $12.50," Shaw observed. "Really working to get that up and equalized across the state is something that will really help women and ensure that there's equity, no matter where you live."

Shaw noted wage rules are especially important for women of color, who are disproportionately concentrated in lower-wage jobs. The 2019 data ranked New York in the top 10 among states for median income, gender wage gap, and women in managerial and professional positions, but the state dropped to 23rd for its number of women in the workforce, which Shaw attributes to high childcare costs.

Shaw predicted there will be fewer spots available at childcare centers, since many shut down during the pandemic. The study suggested creating a national childcare system to help women and their families recover from the recession.

"Looking at how can we make childcare more affordable would help working mothers be able to afford to have childcare for their children; and then, be able to work and advance in their careers while they have young children," Shaw asserted.

Other recommendations in the report include providing income support and short- and long-term investments in safety-net programs - such as unemployment insurance and the Supplemental Nutrition Assistance Program (SNAP), to help more families as they pull out of the pandemic.

RALEIGH, NC -- Barriers to accessing a federal nutrition program for moms and babies persist in North Carolina, but new research shows loosening the rules during the pandemic improved participants' experience.

Nearly 300 recipients were surveyed across eight counties, and the report says many didn't know about or take advantage of policy changes that would have expanded their benefits.

Study author, Duke University Assistant Professor Dr. Carolyn Barnes, said the pandemic's economic fallout has increased demand for assistance by 30% to 40% -- a surge that has challenged the capacity of many resource-constrained agencies.

"I had workers say that their caseloads had gone up 20 to 30%," said Barnes, "and that they were working overtime to process cases."

The report, from Duke University's Center for Child and Family Policy, found allowing remote appointments and more flexibility in the types of food people can purchase, and extending certification periods, made it easier to use the 'WIC' program. In 2019, federal data show North Carolina reached around half of WIC-eligible residents.

The survey also found only 27% of WIC participants surveyed were aware of the greater flexibility in food choices that could have simplified their grocery shopping amid pandemic-related food shortages.

According to Barnes, most women learned about the changes through social media, family and friends, rather than from state agencies. She believes increasing public awareness about these programs can boost participation.

"Your fellow churchgoer or someone you work with, or someone you know personally, your family member that's just lost a job - if you know information about how to sign up for these programs, you can point them to those programs," she advised.

The report also found many households were unaware of the COVID-19 changes to SNAP benefits. Between 20% and 25% said they knew about emergency allotments and extended recertification deadlines. Only one-third of those surveyed were aware they could use their SNAP benefits to shop for food online.