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Congress should allocate sufficient funding to strengthen the administrative capacity of the Social Security Administration (SSA) to better meet the needs of applicants and benefi

The number of years used to calculate benefits should not be increased beyond the 35 years designated in current law.

Policymakers should retain wage indexing of both the average indexed monthly earnings and the thresholds used in the formula for the Prim

Policymakers must maintain adequate funding rules for defined-benefit pension plans.

Employers should be required to keep plan participants informed adequately and in a timely manner about the state of plan funding.

The Department of Labor must stringently enforce fiduciary rules to ensure that pensions are handled prudently and in the best interest of plan participants and beneficiarie

Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

Minimum distribution requirements for retirement savings should periodically be examined to reflect changes in life expectancy and income needs at older ages while ensuring

Defined-contribution plan account holders should have to obtain written spousal consent to take payment from the account in a form other than a joint-and-survivor annuity.

Policymakers should adopt minimum service standards and consumer protections to ensure fair terms and conditions.