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Any changes to the determination and appeals process should ensure the following: 

Policymakers should expand and improve work incentives for Social Security Disability Insurance beneficiaries, such as through the Ticket to Work program.

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

Unrelated small employers should be permitted to jointly offer retirement savings vehicles to their employees through trained fiduciary administrators.

Policymakers should simplify and strengthen retirement plan rules to encourage all employers to offer some type of pension to their employees while retaining employee protections. 

Policymakers should ensure that cash balance and other hybrid plans do not discriminate against older workers and that they maintain the important benefit protections of defined benefit plans.&nbsp

Policymakers should maintain and strengthen top-heavy rules so that benefits are distributed equitably among plan participants. 

Policymakers should facilitate greater portability of retirement plans for workers who change jobs.

Retirement plan distribution rules should be simplified to improve long-term economic security. 

Rollovers of lump-sum retirement benefits into another retirement vehicle should be automatic. Regulations should discourage access to such funds before retirement.