A new piece of legislation in Congress will help people across the U.S. prepare for retirement with greater ease.

The EARN Act - short for Enhancing American Retirement Now - reduces requirements for part-time workers to participate in retirement plans, allows for penalty-free emergency withdrawals from retirement accounts, and encourages small businesses to adopt retirement plans.

AARP Connecticut state director Nora Duncan said she feels this will expand people's options when they consider retirement planning.

"While Social Security continues to be the bedrock of retirement income for American workers and their families," said Duncan, "individuals want and need additional retirement income sources in order to live the way they need to as they age."

The EARN Act comes just as Connecticut became one of a few states with state retirement plans, which Duncan said she feels could help businesses of all sizes establish some kind of retirement plan.

Other states with these kinds of plans include California, Oregon and Illinois. Although these plans are relatively new, data from the Pew Research Center shows these plans have seen steady growth since their inception.

While the EARN Act is still relatively new, Duncan said she sees some potential opposition to it coming from the finance sector regarding how people receive their statements.

According to data from AARP, more than half of adults with employer-sponsored retirement plans would prefer paper statements.

She said she feels some benefits to the new bill come with drawbacks as well.

"Being able to qualify for retirement savings at work in two years of part-time work with a company rather than three, really makes it easier to save for retirement," said Duncan. "But, this isn't particularly helpful to the many older workers who can only find part-time work."

She added that this also might not be helpful for people who have to work part-time, due to caregiving responsibilities.

But, the EARN Act has received a great deal of bipartisan support in Congress, providing the possibility of its safe passage in the coming months.

Washington performs well in a new report scoring states' long-term care systems.

The Evergreen State ranked second in AARP's Long-Term Services and Supports State Scorecard. Cathy MacCaul, advocacy director for AARP Washington, said this is an achievement for the state.

"Number two is a really positive indicator that all the challenges that the long-term care system experienced during COVID - Washington state did well," she said. "We have a lot of work ahead of us, though, to continue to improve the long-term care system."

AARP's last scorecard on long-term care services was released in 2020. In that report, Washington also ranked second. While the state performed well this year, the analysis noted there are major gaps in maintaining an adequate workforce in every state.

MacCaul said new indicators appeared in this report related to livable communities.

"There's a lot more work Washington state can do on housing and transportation to improve affordability and access for older adults and for their caregivers," she said.

MacCaul said the report also recognized that at-home care is key as the population ages rapidly.

"Home- and community-based services and supporting the 820,000 family caregivers that we have in the state are the two areas of probably the most importance when it comes to this scorecard," she said, "and recognizing the work that we need to do to improve our long-term care system in Washington state."

A new report finds Virginia's long-term care facilities need improvement to better serve their residents.

AARP's Long-Term Care Services and Supports Scorecard ranks Virginia at 28th among states. While the state has ranked high in terms of affordability and access to long-term care, it scores lowest in safety and quality, as well as support for family caregivers.

Jared Calfee, state advocacy director for AARP Virginia, said nursing home financial transparency is one of several priorities the group will take up at the General Assembly next year.

"Our nursing facilities, they largely operate with a lot of taxpayer money coming from Medicaid," Calfee pointed out. "The public has a right to know how that money is being spent and what's being dedicated to staffing and providing quality care, versus what is going to profits and paying administrators."

Other areas on which he noted AARP Virginia would focus include providing aid to family caregivers, licensure, and enforcement of both state and federal rules on staffing. However, with many seats in both chambers of the General Assembly up for election, Calfee acknowledged it is too early to tell what kind of progress might be made.

The scorecard also reflects trends stemming from the COVID-19 pandemic. Calfee emphasized nursing homes have been and continue to face issues, particularly with staffing, which surfaced due to the pandemic.

"When you don't have adequate staffing, and you have staff coming and going -- who aren't able to stay in facilities and get to know people -- then that's what you end up with, is facilities that are not as high-quality as you would want," Calfee asserted. "And it's the residents who then end up suffering because of that."

He added stronger policymaking will be necessary to make progress. Bills on nursing home staffing requirements failed in previous years, but the General Assembly was able to pass a law this year. However, it does not go into effect until July 1, 2025.

The Iowa Alzheimer's Association expects about 2,000 people to gather on the Capitol steps in Des Moines on Saturday, as volunteers seek to create the world's biggest walk to raise money for research.

About 66,000 Iowans suffer from Alzheimer's disease, and nearly 100,000 more are caregivers, often unpaid family members who help with routine personal needs and daily activities.

Iowa Alzheimer's Association volunteer Chantelle Cadek said the group hopes to raise a half-million dollars to bolster research, fund treatment options - and ultimately, find a cure. Contrary to popular belief, she said, Alzheimer's is not routine.

"Alzheimer's is not a normal part of aging," she said. "It is a disease. Not everyone gets it. Age is the biggest risk factor for people to get Alzheimer's, but definitely it is not a normal part of aging."

According to the Alzheimer's Association, 6 million Americans nationwide live with the disease, and 11 million family members serve as caregivers.

The U.S. Food and Drug Administration recently approved two new drugs said to slow the progression of Alzheimer's disease: Leqembi and Aduhelm. As of now, however, there is no cure. Despite being most prominent in older people, their caregivers - often spouses - are least likely to ask for help.

Cadek said education is the only way to change that.

"The reality is that, unfortunately, Alzheimer's is a fatal diagnosis," she said. "There's currently no cure for it. At some point, most people need help, so I would encourage those folks to just reach out. The Alzheimer's Association is a wonderful resource; there's a 24-7 helpline."

The Des Moines walk participants will carry purple, yellow, blue and orange flowers, which represent the different reasons they are walking. The event starts at 9 a.m. Saturday.


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