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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. 

Policymakers should preserve the existing stock and expand the availability of affordable, accessible, safe housing, particularly for those with the most severe cost burdens.

Policymakers should increase the availability of subsidized housing in mixed-use, walkable communities that promote aging in place.

Policymakers should increase the availability of subsidized housing with services. This includes providing service coordinators and supportive housing arrangements in subsidized housing. 

Policymakers should mitigate the effects of foreclosures on renters.

Policymakers should mitigate the negative impacts of foreclosures on neighborhoods. Strategies should consider the needs of older adults.

State and local policymakers should encourage the construction of more housing units to ensure that people of all incomes and ability levels can afford to live in a community. 

Government workers should continue to have access to defined benefit (DB) plans. 

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees. They should also ensure the retirement security needs of future retirees.