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

A variety of government policies and employer practices safeguard the rights of workers to fair treatment, safety in the workplace, and a measure of financial security.

All levels of government have developed standards and guidance to ensure fair employment practices. They address wages, working conditions, and other aspects of work.

In addition to Social Security and Medicare, employers are required to participate in two forms of insurance to protect their workers. One is the joint federal-state unemployment insurance system.

Older workers may choose to or need to continue working. However, they face discrimination based on age, especially in layoffs and hiring.