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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.
Employers should be required to automatically enroll employees in their retirement plans.
The laws governing state and local retirement funds should be amended where necessary to provide surviving and divorced spouses of public retirees with at least the same protections that the Employ
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.
Social Security should cover all workers, including all newly hired state and local government workers.
Policymakers should use effective, evidence-based assessment models to identify at-risk drivers of all ages. They should receive counseling or referrals, and appropriate action should be taken.