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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 contributions to defined contribution or hybrid plans. 

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

Federal policymakers should develop a comprehensive system for financing Long-Term Services and Supports (LTSS) that includes a new social insurance program to provide a basic level of LTSS.

Ideally, the federal government should finance LTSS through a universal, comprehensive, and publicly administered program such as Medicare or similar social insurance program of shared risk. <

Congress should reauthorize the Elder Justice Act (EJA). It should fully fund the EJA and other programs that address elder abuse.

Policymakers should devise Silver Alert programs to alert the public to missing older adults with appropriate protections and limitations. 

The subject of an alert must: 

States should simplify estate planning. This includes allowing the use of electronic wills or trusts to govern the distribution of property at death.

States should expand laws on durable powers of attorney to: 

States should codify, simplify, and clarify trust laws. They should model them on the Uniform Trust Code.

Policymakers should encourage advance care planning. This should include the creation of advance directives. 

States should enact laws that: