Financial Security - Take Charge of Your Future

Four workers with text that reads 55 million workers don't have access to retirement savings at work

Our Mission

AARP is working to ensure you have a brighter and more secure financial future. We’re pushing for new retirement savings programs to ensure all workers have a chance to save the money they need to take control of their futures. We’re also fighting to protect and strengthen the Social Security benefits you’ve earned. And, we’re providing free tools and resources to help you plan, work and save for retirement.

Work Hard. Save Easy.

Across the country, AARP is pushing for Work and Save programs, sometimes called Secure Choice, that provides an easy pathway for workers to grow retirement savings so they can deal with the rising cost of health care/basic needs, and take control of their futures.

Across the States

Map of the United States showing states that have enacted work and save legislation

Fourteen states have signed various Work & Save programs into law to help people save easily for the future and over 30 are considering ways to address financial insecurity in retirement. Learn more about what’s happening in your state at aarp.org/states.

Building a Secure Future

OregonSaves was the first Work & Save program to launch in 2017, quickly followed by Calsavers in California and Secure Choice in Illinois. Massachusetts also launched a program for small non-profits.

This year, Connecticut and Maryland launched their programs, with nine more states to follow over the next few years.

These programs have helped almost half a million people to save over $450 million for retirement in just a few years. That’s why AARP is advocating across the nation for more of these programs to help workers grow the retirement savings they need for a secure future.

Social Security

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What's Happening?

US Capitol, Washington DC - AARP Everywhere

Receive e-mail action alerts on the issues you care about and the latest news on Congress and the White House.

Free Tools & Resources

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Featured AARP Member Benefits

Entertainment

Ancestry

Members save 30% on a 1-year subscription

learn more

See more Entertainment offers >

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If you already have an Ancestry account, you’ll receive the discount when you renew your subscription for a year.\u003c/p\u003e","redemption_type":"yes","starts_on":1447650000,"created_by":"asi_admin1","country_code":"US","tab_label_offer_details":"Details","tab_label_restrictions":"Disclosures","restrictions_label":"Disclosures","restrictions":"\u003cp\u003eAARP commercial member benefits are provided by third parties, not by AARP or its affiliates. Providers pay a royalty fee to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. Some provider offers are subject to change and may have restrictions.\u003c/p\u003e\u003cp\u003eAs an AARP member, if you sign up for an Ancestry membership through a special AARP members-only offer, you agree to the \u003ca href\u003d\"https://www.ancestry.com/cs/legal/termsandconditions#disputes\" data-overlay-msg\u003d\"AARP.Everywhere.LeavingModal.drawOverlay(this,\u0027\u0027,/mnt/overlay/wcm/core/content/sites/properties.html,\u0027\u0027,\u0027You are now leaving AARP.org and going to a website that is not operated by AARP. A different privacy policy and terms of service will apply.\u0027);return false;\"\u003eAncestry Terms and Conditions\u003c/a\u003e (the “Terms”), including the dispute resolution procedures set forth in the Terms.\u0026nbsp; In addition to those procedures, you also have the option to initiate arbitration through the American Arbitration Association (AAA). If you so choose, the following applies:\u003c/p\u003e\u003cp\u003eYou agree to first attempt to resolve any dispute informally by contacting Ancestry customer service.\u0026nbsp; If any dispute between us is not resolved within 30 days after contacting us, then you and Ancestry agree that we will resolve it through final and binding arbitration.\u0026nbsp; The term “dispute” is intended to be as broad as legally permissible and includes, but is not limited to, all disputes between you and any other person on whose behalf you have interacted with Ancestry, on the one hand, and Ancestry, including any of its parents, subsidiaries, predecessors, successors, assigns, or affiliates, on the other, that arise out of or relate in any way to the Terms, this arbitration agreement, or your interactions or relationship with Ancestry, with the following three exceptions:\u003c/p\u003e\u003col\u003e\u003cli\u003eYou and Ancestry shall each have the option to resolve any dispute, if it qualifies, in the small claims court with jurisdiction over your place of residence.\u0026nbsp; To the extent any dispute involves claims for both (1) monetary damages or relief and (2) equitable or injunctive relief, to the extent the small claims court with jurisdiction will not resolve claims for equitable or injunctive relief, you and Ancestry shall each have the option to resolve the claims for monetary relief or damages in small claims court, and any claim for equitable or injunctive relief shall be resolved in arbitration pursuant to this agreement.\u0026nbsp; \u0026nbsp;\u0026nbsp;\u003c/li\u003e\u003cli\u003eBoth you and Ancestry may bring a suit in court in the state of Utah only for a claim of infringement or other misuse of intellectual property rights. In this case, we both waive any right to a jury trial.\u003c/li\u003e\u003cli\u003eIf it qualifies, you may bring a claim to the attention of a relevant federal, state, or local agency that may seek relief against us on your behalf.\u003c/li\u003e\u003c/ol\u003e\u003cp\u003e\u003cb\u003eArbitration Rules:\u003c/b\u003e This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. § 1 et seq.).\u0026nbsp; Arbitration will be conducted by AAA in accordance with the then-applicable AAA rules, excluding any rules or procedures governing or permitting class actions. Where no disclosed claims or counterclaims exceed $25,000, the dispute shall be resolved by the submission of documents only/desk arbitration pursuant to AAA Consumer Arbitration Rule 29 (or the then-applicable AAA Consumer Arbitration Rule governing documents-only arbitration procedures).\u0026nbsp; Either party may file dispositive motions in arbitration, including without limitation a motion to dismiss and/or a motion for summary judgment, and the arbitrator will apply the standards governing such motions under the Federal Rules of Civil Procedure.\u0026nbsp; The arbitrator, and not any federal, state, or local court or agency, shall have exclusive authority to resolve all disputes arising out of or relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, the Terms, or the \u003ca href\u003d\"https://www.ancestry.com/cs/legal/privacystatement\"\u003eAncestry Privacy Statement\u003c/a\u003e, including but not limited to any claim that all or any part of this arbitration agreement, the Terms or Privacy Statement is void or voidable, whether a claim is subject to arbitration, or the question of waiver by litigation conduct. The arbitrator shall be empowered to grant whatever relief would be available in a court under law or in equity. The arbitrator’s award shall be written and shall be binding on the parties and may be entered as a judgment in any court of competent jurisdiction.\u003cbr\u003e\u003c/p\u003e\u003cp\u003eTo initiate an arbitration proceeding through AAA, you must send a certified letter describing your claim and requesting arbitration to Ancestry Legal Department, Ancestry.com Operations Inc., 1300 W Traverse Parkway, Lehi, UT 84043. You must also send a copy of this demand to the AAA at the same time the demand is sent to Ancestry and follow all required procedures under the then-applicable AAA rule governing starting an arbitration under an arbitration agreement in a contract.\u0026nbsp; The arbitration will be conducted by AAA under its\u0026nbsp;\u003ca href\u003d\"https://www.adr.org/Rules\"\u003erules\u003c/a\u003e, as modified by the Terms (collectively, \u0026quot;AAA Rules\u0026quot;). The AAA Rules and costs are available online at\u0026nbsp;\u003ca href\u003d\"http://www.adr.org/\"\u003ewww.adr.org\u003c/a\u003e\u0026nbsp;or by calling the AAA at 1-800-778-7879.\u003c/p\u003e\u003cp\u003eThe parties shall select the arbitrator by mutual agreement.\u0026nbsp; If the parties are unable to mutually select an arbitrator, the arbitrator shall be selected as follows: AAA will give each party a list of nine (9) arbitrators drawn from its panel of arbitrators. Each party will have ten (10) calendar days to strike all names on the list it deems unacceptable. If only one common name remains on the lists of all parties, that individual will be designated as the arbitrator. If more than one common name remains on the lists of all parties, the parties will strike names alternately from the list of common names by telephone conference administered by AAA, with the claimant to strike first until only one remains. If no common name remains on the lists of all parties, AAA will furnish an additional list of nine (9) arbitrators from which the parties will strike alternately by telephone conference administered by AAA, with the claimant to strike first, until only one name remains. That person will be designated as the arbitrator. If the individual selected cannot serve, AAA will issue another list of nine (9) arbitrators and repeat the alternate striking selection process.\u003c/p\u003e\u003cp\u003eArbitration may take place in the county where you reside at the time of filing. You and Ancestry further agree to submit to the personal jurisdiction of any federal or state court in San Francisco County, California in order to compel arbitration, to stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the award entered by the arbitrator.\u003c/p\u003e\u003cp\u003e\u003cb\u003eFees: \u003c/b\u003eYou will be required to pay $200—or the amount otherwise required under the then-applicable AAA rules—to initiate an arbitration against us. If the arbitrator finds the arbitration to be non-frivolous, Ancestry will pay all other fees invoiced by AAA, including filing fees and arbitrator and hearing expenses. You are responsible for your own attorneys’ fees unless the arbitration rules and/or applicable law provide otherwise.\u003c/p\u003e\u003cp\u003e\u003cb\u003eClass, Representative and Consolidated Action Waiver.\u0026nbsp;\u003c/b\u003e There will be no right or authority for any dispute to be brought, heard or arbitrated as a class, representative and/or consolidated action (the “\u003ci\u003eClass Action Waiver\u003c/i\u003e”).\u0026nbsp; Nor shall any arbitrator have the authority to hear or arbitrate any such dispute, regardless of any other language in this arbitration agreement, or any provision of any of the rules or procedures of the AAA that might otherwise apply including, without limitation, the AAA Supplemental Rules for Class Action Arbitration.\u0026nbsp; This Class Action Waiver shall be severable from this arbitration agreement if there is a final judicial determination that the Class Action Waiver is invalid, unenforceable, unconscionable, void or voidable.\u0026nbsp; In such instances, the class, representative or consolidated action must be litigated in the courts of the State of Utah—not in arbitration.\u003c/p\u003e\u003cp\u003e\u003cb\u003eSeverability.\u0026nbsp; \u003c/b\u003eOther than as set forth in the Class Action Waiver, if any provision of this arbitration agreement is adjudged to be invalid, unenforceable, unconscionable, void or voidable, in whole or in part, such adjudication will not affect the validity of the rest of the arbitration agreement. 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Family Caregiving

GrandPad, Powered by Consumer Cellular

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Come back again to check out all of the AARP Member Benefits and unlock the full power of membership.","ty_ctaText":"Continue","ty_socialMissionFlag":"","hideRestrictionsTab":"","hideLeavingAARP":"","hide_lto":"","lto_model_heading":"Limited Time Member Offers","lto_model_heading_spanish":"Ofertas para socios por tiempo limitado","lto_advertisement":"Member Exclusive Advertisement","lto_advertisement_spanish":"Anuncios publicitarios exclusivos para socios","lto_daysleft":"Days Left","lto_daysleft_spanish":"Días restantes","geoloc_experience_type":"full_location","geoloc_tab_label":"Locations","geoloc_tab_label_spanish":"Ubicaciones","geoloc_hide_tab":"true","geoloc_find_location_label":"Find a Location","geoloc_find_location_label_spanish":"Encuentre una ubicación","geoloc_tab_hint_text":"Enter city, or zip","geoloc_tab_hint_text_spanish":"Ingresa ciudad, o zip","geoloc_search_icon":"","geoloc_total_results_label":"Results","geoloc_total_results_label_spanish":"Resultados","geoloc_see_more_button_text":"See More","geoloc_see_more_button_text_spanish":"Ver más","geoloc_see_more_label_text":"See More","geoloc_see_more_label_text_spanish":"Ver más","geoloc_see_more_limit_option":"","geoloc_provider_link_cta":"Learn more about this benefit by visiting the provider website","geoloc_provider_link_cta_spanish":"Conoce más sobre este beneficio al visitar la página web del proveedor.","geoloc_provider_link_cta_url":"","geoloc_provider_legal_info":"You will leave AARP.org and go to the website of a trusted provider. 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Intenta con otra ubicación","geoloc_mobile_list_cta":"LIST VIEW","geoloc_mobile_list_cta_spanish":"VISTA DE LA LISTA","geoloc_mobile_list_cta_url":"","geoloc_mobile_map_cta":"MAP VIEW","geoloc_mobile_map_cta_spanish":"VISTA DEL MAPA","geoloc_mobile_map_cta_url":"","geoloc_mobile_button_cta":"VIEW MORE","geoloc_mobile_button_cta_spanish":"VER MÁS","geoloc_mobile_button_cta_url":"","geoloc_show_results_within_label_text":"Show results within","geoloc_show_results_within_label_text_spanish":"Mostrar resultados dentro","geoloc_miles_label_text":"Miles","geoloc_miles_label_text_spanish":"Millas","geoloc_hide_see_more_button":"false","geoloc_hide_see_more_button_spanish":"false","rewardId":"","hide_r4g_badge":"","redemption_content":"","authentication_code_provider":"","authentication_code_provider_2":"","pixel_view_offer_value":"NzcWtGFP","pixel_learn_more_value":"NzcWLvl3","is_redeemable_only_in_person":false,"offer_keywords":["consumer cellular grandpad","consumer cellular tablet"," aarp caregiving","aarp benefits","aarp discounts","aarp membership"],"offer_keywords_spanish":["prestación de cuidados","prestación de cuidados familiares","tableta","grandpad","consumer celular","ipad","grand pad"],"deeplink_url":"/benefits-discounts/?offer\u003dgrandpad","deeplink_param_value":"grandpad","offer_page_path":"/benefits-discounts/all/grandpad/","offer_page_data":"/content/aarpe/en/home/benefits-discounts/all/grandpad/_jcr_content/.dataview.json","offer_page_modal":"/benefits-discounts/all/grandpad.modalview/","evol_offer_page_path":"/membership/benefits/tech/grandpad/","evol_offer_page_modal":"/membership/benefits/tech/grandpad.modalview/","dbr_offer_id":"bf2a1867baee2cb387e1c223ed4f2069","image_alt_text":"Smiling senior woman, red tablet","vertical_image_alt_text":"Smiling senior woman, red tablet","provider_logo_alt_text":"Consumer Cellular logo","provider_image_alt_text":"","offer_date_status":"n/a","image_url_width":"1140","image_url_height":"641","image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/grandpad/1140x641-grandpad-senior-woman-smiling-red-tablet-peach-sweater-black-glasses-floral-scarf-apr-2020.imgcache.rev8cd017a976e021e53760da8d01192312.jpg","vertical_image_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/grandpad/258x334-grandpad-senior-woman-smiling-red-tablet-peach-sweater-black-glasses-floral-scarf-apr-2020.imgcache.revbbc77c1b0faf477bf5cdc78ce63ff125.jpg","vertical_image_url_width":"258","vertical_image_url_height":"334","provider_image_cdn_uri":"","provider_logo_cdn_uri":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/providers/consumer-cellular/450x450-consumercellular-logo-august-2020.imgcache.rev19beb73ce484cf3ff87b047007970053.jpg","provider_image_width":"","provider_image_height":"","provider_logo_width":"450","provider_logo_height":"450","authentication_code_provider_url":"","authentication_code_provider_2_url":"","tags":[{"tagID":"dbr:caregiving","title":"Family Caregiving","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/family Caregiving-caregiving e652.imgcache.rev85b508a770f81aff05fa23e1b464654b.svg","name":"caregiving","deeplink_url":"/benefits-discounts/?category\u003dcaregiving","deeplink_param_value":"caregiving","get_offers_url":"/etc/aarp/dbr/ws.api/offers/caregiving.json","sub_tags":[]},{"tagID":"dbr:technologyandwireless","title":"Technology \u0026 Wireless","svgPathCdn":"https://cdn.aarp.net/content/dam/aarp/benefits_discounts/icons/technology-01.imgcache.revc55d5b9369bfdf76fedd3f70cb1f662d.svg","name":"technologyandwireless","deeplink_url":"/benefits-discounts/?category\u003dtechnologyandwireless","deeplink_param_value":"technologyandwireless","get_offers_url":"/etc/aarp/dbr/ws.api/offers/technologyandwireless.json","sub_tags":[]}],"ltos":[],"lto_daysleft_start_control":30,"master_brand":"grandpad","analytics_brand":"CCI | GrandPad, Powered by Consumer Cellular","analytics_offerid":"grandpad","category_list":"caregiving,technologyandwireless","subcategory_list":"","dbr_offer_type":"discount","offer_timing":"anytime","parent_offer_page_path":"","append_aid_paramter":"","enable_utm_parameters":"false","taxonomy_general_category":"family-caregiving","taxonomy_level_1":"long-distance-caregiving"},"parentOfferJson":{}}]}
Health & Wellness

Walgreens

Exclusive Walgreens Cash rewards for members

learn more

See more Health & Wellness offers >

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Vision Benefits

LensCrafters

Members can save 50% on prescription lenses

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