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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.
Policymakers should ensure that cash balance and other hybrid plans do not discriminate against older workers and that they maintain the important benefit protections of defined benefit plans. 
Policymakers should maintain and strengthen top-heavy rules so that benefits are distributed equitably among plan participants.
Policymakers should facilitate greater portability of retirement plans for workers who change jobs.
Retirement plan distribution rules should be simplified to improve long-term economic security.
Rollovers of lump-sum retirement benefits into another retirement vehicle should be automatic. Regulations should discourage access to such funds before retirement.
Plan participants should receive their guaranteed benefits from the Pension Benefit Guaranty Corporation when an employer files for bankr
The maximum vesting period for employers’ contributions to 401(k) plans should be no more than one year.
Pension benefits, from either public or private plans, should not be reduced as a result of Social Security benefits.