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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 strengthen the program integrity efforts of the Social Security Administration (SSA).

SSA should continually strive to improve the following aspects of the disability determination process: 

Policymakers should improve the application and appeals process for Social Security Disability Insurance and Supplemental Security Income disability benefits.

Any changes to the determination and appeals process should ensure the following: 

Policymakers should expand and improve work incentives for Social Security Disability Insurance beneficiaries, such as through the Ticket to Work program.

Employers should be required to automatically enroll employees in their retirement plans.

Unrelated small employers should be permitted to jointly offer retirement savings vehicles to their employees through trained fiduciary administrators.

Policymakers should simplify and strengthen retirement plan rules to encourage all employers to offer some type of pension to their employees while retaining employee protections.