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Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

States and localities should move toward full funding of their retirement systems.

Government workers should continue to have access to defined-benefit plans.

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

Promote transparency—proper accountability and oversight of government spending requires a transparent budget process negotiated by elected off

Policymakers and the private sector should develop and implement transportation programs and services to improve community transportation resources for older adults.

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

Government budgets reflect the priorities of policymakers.

Americans’ retirement income comes from several sources. For most, Social Security income is the foundation of financial security in retirement.