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Policymakers should create or extend programs that would address reverse mortgage foreclosures.

Proceeds from reverse mortgages should not affect homeowners’ eligibility for public benefit programs.

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. 

Policymakers should enact and strictly enforce antidiscrimination and civil rights laws.

States should coordinate mental health services among all appropriate health, LTSS, and aging-network services.

States should coordinate LTSS programs, policies, and budgets. This can be done in one state agency or across multiple agencies.

States should develop a comprehensive uniform assessment instrument to determine individual needs and develop a service plan. It should be used in all state LTSS programs. 

Congress should make pre-dispute mandatory arbitration provisions in LTSS contracts unenforceable. 

States should ensure that facility-specific survey results and other information regarding quality are made available to the public in a timely manner.