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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

A variety of government policies and employer practices safeguard the rights of workers to fair treatment, safety in the workplace, and a measure of financial security.

All levels of government have developed standards and guidance to ensure fair employment practices. They address wages, working conditions, and other aspects of work.

Protect people from discrimination—freedom from discrimination is a fundamental right.

Policymakers should enact and update public financing systems for elections. This includes increasing matching funds, particularly for small donations.

Employers should be required to automatically enroll employees in their retirement plans.

The laws governing state and local retirement funds should be amended where necessary to provide surviving and divorced spouses of public retirees with at least the same pro

Maintaining trust and confidence in the government requires strong democratic processes and government institutions.

Americans’ retirement income comes from several sources. For most, Social Security income is the foundation of financial security in retirement.

Policymakers should encourage and promote maximum participation in the electoral process.