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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 protections that the Employ
Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contributions to defined contribution or hybrid plans.
The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representing older people and other groups served by the programs.
Social Security should cover all workers, including all newly hired state and local government workers.
Policymakers should use effective, evidence-based assessment models to identify at-risk drivers of all ages. They should receive counseling or referrals, and appropriate action should be taken.
Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers.
Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.