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

Policymakers should explore new, more consumer-centered systems for providing low-income assistance.

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

The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representi

Social Security should cover all workers, including all newly hired state and local government workers.

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