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Policymakers should encourage measures to increase individuals’ ability to save for retirement.
Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.
Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.
Federal and state governments should ensure that long-term services and supports (LTSS) programs cover services that support and supplement caregiving by relatives, friends, and neighbors.
Federal and state governments should provide tax credits, other financial assistance, or both to caregivers.
When economic conditions permit, states should accumulate budget reserves adequate to maintain services during recessions.
Deficit-reduction efforts should avoid cuts in programs that serve low- and moderate-income populations.
Federal policymakers should develop a comprehensive system for financing Long-Term Services and Supports (LTSS) that includes a new social insurance program to provide a basic level of LTSS.