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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.
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.
Ideally, the federal government should finance LTSS through a universal, comprehensive, and publicly administered program such as Medicare or similar social insurance program of shared risk.
Federal and state governments should continue to provide public funding for OAA programs and outreach to increase participation by diverse communities in low-income benefit programs.