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Social Security should cover all workers, including all newly hired state and local government workers.

Any changes to the determination and appeals process should ensure the following:

Employers should be required to automatically enroll employees in their retirement plans.

Policymakers should encourage measures to increase individuals’ ability to save for retirement.

Policymakers should allow employers to provide student loan-repayment aid as a tax-free benefit.

Consumers should have access to a range of safe, reliable, affordable, and customizable emergency and short-term savings options.

Government workers should continue to have access to defined-benefit plans.

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

Public retirement systems should establish a maximum vesting period of five years for

States and localities should move toward full funding of their retirement systems.