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Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

States and localities should move toward full funding of their retirement systems.

Devote adequate resources—the nation should devote sufficient resources to ensure access to benefits and adequate benefit levels for all who qu

Government workers should continue to have access to defined-benefit plans.

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

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

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 pro

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 representi