The White Collar Cliff

Tail Risk Report

This is the full stress test prepared for policy planning. It is not a base-case forecast. It is a sizing tool for severe but plausible AI labor-market disruption through 2040.

Scenario framing

The report sizes the policy-relevant support population, not just official unemployment. That means it counts AI-linked unemployed, underemployed, and detached workers together when considering program demand.

2035 planning metrics

  • Severe tail support population: 17.6 million
  • Extreme plausible support population: 31.8 million
  • Severe official unemployment: 7.4 percent
  • Extreme official unemployment: 10.1 percent
  • Severe labor-force participation: 58.3 percent
  • Extreme labor-force participation: 55.2 percent

Wage pressure

The report models cumulative wage-level gaps versus a no-tail-shock reference path. By 2035 in the extreme plausible case, lower-barrier human tasks are about 21 percent below the reference path, mid-barrier tasks about 15 percent below, and higher-barrier tasks about 6 percent below.

Program sizing implication

The report argues that agencies should size for a broad support population rather than for the headline unemployment rate alone, and should consider multi-lane responses such as unemployment support, wage insurance, retraining with hiring channels, and support for detached workers.