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Congress should increase funding for the Social Services Block Grant (SSBG) and Community Services Block Grant (CSBG) programs. Funding should reflect the increased population of older Americans.

Government workers should continue to have access to defined benefit (DB) plans. 

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees. 

States should establish state-facilitated savings arrangements that will increase employee participation in retirement plans.

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.

Policymakers should explore new, more consumer-centered systems for providing low-income assistance. 

Congress and state legislatures should ensure that all lawfully present non-citizen residents who qualify for essential low-income benefits have access to them.

Asset limits for public-benefit programs should be increased to ensure that they do not discourage saving. These limits should then be indexed to keep up with inflation.