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Policymakers must maintain adequate funding rules for defined-benefit pension plans.

Employers should be required to keep plan participants informed adequately and in a timely manner about the state of plan funding.

The Department of Labor must stringently enforce fiduciary rules to ensure that pensions are handled prudently and in the best interest of plan participants and beneficiarie

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.

Minimum distribution requirements for retirement savings should periodically be examined to reflect changes in life expectancy and income needs at older ages while ensuring

Policymakers should require fair terms and conditions in insurance to ensure availability and coverage.

States should require insurance companies to make their products available at fair and reasonable rates, including to people with disabilities, preexisting condi

Insurance companies should be required to provide clear, informative outlines of coverage before customers buy policies.

Policymakers should require insurance claims to be processed quickly and accurately.