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Information about public-benefit programs should be shortened and simplified. This includes application forms, procedures, and program notices.
Comprehensive reporting and disclosure requirements must be maintained and enforced.
Retirement plan sponsors must demonstrate fiduciary responsibility by acting in the sole interest of plan participants and beneficiaries.
Executives and employees should have the same rights and obligations regarding their employer’s stock.
Plan sponsors and fiduciaries should ensure that individual account fees are reasonable.
Tax-preferenced retirement savings accounts, which receive a tax subsidy to provide retirement security, should exclude new types of unregulated investment products.
Fiduciary responsibility to plan participants must be steadfastly maintained.
Outreach to older adults should be an integral component of low-income assistance programs and include targeted outreach to underserved communities, such as rural areas.
Some companies sponsoring defined-benefit plans purchase annuities from private insurers.
Grandparents and other relatives play an important caregiving role in family well-being. Support from extended family is especially vital in families with low incomes.