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

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

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.

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 pro

Americans’ retirement income comes from several sources. For most, Social Security income is the foundation of financial security in retirement.

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.