Confidence in retirement accounts falls

"But only 41 percent of workers report they or their spouse have that type of plan."

This is a tiny error, one that must people would not even notice. This is the way people talk, but it is still incorrect. The verb "have" should be "has," because when "or" is used, the verb has to agree with the noun closest to the verb. That noun is "spouse." Their spouse has that type of plan, not their spouse have that type of plan.