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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. 

The federal government subsidizes and incentivizes retirement savings through tax benefits for both individuals and employers.

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

Some employers, mainly larger and mid-sized ones, offer workers access to a retirement plan.

Congress should improve the current Government Pension Offset calculation by utilizing more detailed earnings data available to the Social Security Administration for both spouses’ covered and unco

Policymakers should prohibit lawsuit settlement provisions that keep confidential information that could endanger health and safety while protecting legitimate confidentiality interests such as pri

States should sufficiently fund state victim compensation programs. They should provide expedited compensation in emergencies.  

Policymakers should change or eliminate the Social Security earnings limit only if the Social Security trust funds can be maintained.

Older adults, like everyone, have the right to be treated with dignity and respect and to be free from discrimination.