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Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees.
States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.
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.
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.
Employers should be required to automatically enroll employees in their retirement plans.