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Policymakers should preserve the existing stock and expand the availability of affordable, accessible, safe housing, particularly for those with the most severe cost burdens.

Policymakers should increase the availability of subsidized housing in mixed-use, walkable communities that promote aging in place.

Policymakers should increase the availability of subsidized housing with services. This includes providing service coordinators and supportive housing arrangements in subsidized housing. 

Policymakers should coordinate and consolidate existing housing programs to improve service delivery, safeguard assets, and cost efficiency.

Policymakers should mitigate the effects of foreclosures on renters.

Policymakers should mitigate the negative impacts of foreclosures on neighborhoods. Strategies should consider the needs of older adults.

State and local policymakers should encourage the construction of more housing units to ensure that people of all incomes and ability levels can afford to live in a community. 

The Department of Labor should establish clear protections for participants in defined benefit plans when fiduciaries wish to transfer their pension annuities to private insurance companies.

Plans that wish to offer lump-sum buyouts should be required to provide clear and complete disclosures. These should be in hard-copy form and state the implications of choosing a lump sum.

When retirement plans transfer risk from the plan to others—either by purchasing annuities from private insurers that take responsibility for paying monthly benefits or by offering retirees current