29 pages. "Social Security is the bedrock of the US income security system.... For many, employer-sponsored retirement plans and Social Security complement one another, but access to such plans is not yet universal, and government subsidies to these plans now mostly go to those who need them least.... Medicare is a vital support for older Americans.... Americans face a significant, unpredictable risk of needing long-term services and supports. For many, this is the largest financial risk in retirement.... Decades of income stagnation and high levels of inequality in health risks have compounded many of these challenges."

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