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Income earned through employment is the foundation of most people’s savings and retirement income.

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

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 protections that the Employ

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

The federal government should require state CSBG and SSBG officials to consult with state and local agencies and organizations representing older people and other groups served by the programs.

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

These principles provide a framework for key components of low-income assistance, including income and nutrition assistance programs, access to social supports, and access to basic necessities.&nbs

Federal legislation should provide a minimum level of consumer protections. It should preserve states’ ability to provide additional protections to consumers. 

Regulators should ensure robust consumer protections in the financial marketplace. They should provide effective oversight of the financial industry.