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href="/web/20180717212359/http://thehill.com/author/niv-elis">Niv Elis</a> - <span class="submitted-date">07/17/18 03:03 PM EDT</span> </span> <a href="/web/20180717212359/http://thehill.com/policy/finance/397476-bipartisan-group-introduces-retirement-savings-legislation-in-senate#bottom-story-socials" class="disqus-comments" data-disqus-identifier="node/397476"></a> </div> <div class="blogs-social-wrp"> <span data-behavior="socialShareCount" data-href="http://thehill.com/policy/finance/397476-bipartisan-group-introduces-retirement-savings-legislation-in-senate" class="social-share-count"> 13</span> <div class="addthis_inline_share_toolbox_ru82"></div> <div class="share-additional"> <div class="share-linkedin"> <script> ;(function(){ var linkedinScriptEl = document.querySelector('script[src="//web.archive.org/web/20180717212359/http://platform.linkedin.com/in.js"]'); if (linkedinScriptEl == null) { var shareLinkedinEl = document.querySelector('.share-linkedin'); var scriptEl = 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'https:' : 'http:') + '//web.archive.org/web/20180717212359/http://platform.stumbleupon.com/1/widgets.js'; var s = document.getElementsByTagName('script')[0]; s.parentNode.insertBefore(li, s); })(); </script> </div> </div> <div class="share"> <a href="https://web.archive.org/web/20180717212359/mailto:/?subject=TheHill.com%3A%20Bipartisan%20group%20introduces%20retirement%20savings%20legislation%20in%20Senate&body=From%20TheHill.com%3A%20%0A%0A%0A%0Ahttp%3A//thehill.com/policy/finance/397476-bipartisan-group-introduces-retirement-savings-legislation-in-senate" class="email"> </a> </div></div> <div id="content" class="column"> <article class="node-397476 node node-article view-mode-full clearfix" about="/policy/finance/397476-bipartisan-group-introduces-retirement-savings-legislation-in-senate" typeof="sioc:Item foaf:Document"> <header> <span property="dc:title" content="Bipartisan group introduces retirement savings legislation in Senate" class="rdf-meta element-hidden"></span> </header> <div class="content-img-wrp"> <div class="content-img"><img typeof="foaf:Image" src="https://web.archive.org/web/20180717212359im_/http://thehill.com/sites/default/files/styles/thumb_small_article/public/senate_062018gn_lead.jpg?itok=Q98c_JdG" width="640" height="360" alt="Bipartisan group introduces retirement savings legislation in Senate"/></div><div class="credits">© Greg Nash</div> </div> <div class="content-with-sidebar-wrp"> <div class="content-wrp"> <div class="field field-name-body field-type-text-with-summary field-label-hidden"><div class="field-items"><div class="field-item even" property="content:encoded"><p>A bipartisan group of senators on Tuesday introduced a package of bills designed to make it easier for Americans to save for retirement.</p><p>The four senators behind the legislation — <span class="rollover-people" data-behavior="rolloverpeople"><a class="rollover-people-link" data-nid="189619" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/cory-booker">Cory Booker</a><span class="rollover-people-block" id="rollover-people-189619"><span class="rollover-block"><span><img typeof="foaf:Image" src="/web/20180717212359im_/http://thehill.com/sites/default/files/styles/thumb_100/public/article_images/bookercory_011116gn.jpg?itok=h6oFo5vZ" width="100" height="100" alt=""/><a class="name" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/cory-booker">Cory Anthony Booker</a><a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/morning-report/396823-the-hills-morning-report-putin-Strzok-reunification">The Hill's Morning Report — Trump readies for Putin summit: 'He’s not my enemy’</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/campaign/396716-booker-seizes-on-kavanaugh-confirmation-fight">Booker seizes on Kavanaugh confirmation fight</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/blogs/floor-action/senate/396768-dem-senator-kavanaugh-would-turn-back-the-clock-on-womens">Dem senator: Kavanaugh would 'turn back the clock' on women's health care</a> <a class="more" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/cory-booker">MORE<span></span></a></span></span></span></span> (D-N.J.), <span class="rollover-people" data-behavior="rolloverpeople"><a class="rollover-people-link" data-nid="187846" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/tom-cotton">Tom Cotton</a><span class="rollover-people-block" id="rollover-people-187846"><span class="rollover-block"><span><img typeof="foaf:Image" src="/web/20180717212359im_/http://thehill.com/sites/default/files/styles/thumb_100/public/article_images/cottontom01102017getty.jpg?itok=upKlpmrG" width="100" height="100" alt=""/><a class="name" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/tom-cotton">Thomas (Tom) Bryant Cotton</a><a class="people-articles" href="/web/20180717212359/http://thehill.com/policy/defense/overnights/396810-overnight-defense-fallout-from-tense-nato-summit-senators-push-to">Overnight Defense: Fallout from tense NATO summit | Senators push to block ZTE deal in defense bill | Blackwater founder makes new pitch for mercenaries to run Afghan war </a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/policy/technology/overnights/396792-hillicon-valley-justice-department-appeals-att-time-warner">Hillicon Valley: DOJ appeals AT&T-Time; Warner ruling | FBI agent testifies in heated hearing | Uproar after FCC changes rules on consumer complaints | Broadcom makes bid for another US company | Facebook under fire over conspiracy sites</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/policy/technology/overnights/396791-hillicon-valley-justice-department-appeals-att-time-warner">Hillicon Valley: Justice Department appeals AT&T-Time; Warner ruling | New report on election security | FBI agent testifies in marathon hearing</a> <a class="more" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/tom-cotton">MORE<span></span></a></span></span></span></span> (R-Ark.), <span class="rollover-people" data-behavior="rolloverpeople"><a class="rollover-people-link" data-nid="188253" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/heidi-heitkamp">Heidi Heitkamp</a><span class="rollover-people-block" id="rollover-people-188253"><span class="rollover-block"><span><img typeof="foaf:Image" src="/web/20180717212359im_/http://thehill.com/sites/default/files/styles/thumb_100/public/heitkampheidi_gregnash.jpg?itok=u3p56i2k" width="100" height="100" alt=""/><a class="name" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/heidi-heitkamp">Mary (Heidi) Kathryn Heitkamp</a><a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/senate/396984-doug-jones-walks-tightrope-on-supreme-court-nominee">Doug Jones walks tightrope on Supreme Court nominee</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/senate/397020-red-state-dem-tells-schumer-to-kiss-my-you-know-what-on-supreme-court-vote">Red-state Dem tells Schumer to 'kiss my you know what' on Supreme Court vote</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/senate/396987-dem-infighting-erupts-over-supreme-court-pick">Dem infighting erupts over Supreme Court pick</a> <a class="more" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/heidi-heitkamp">MORE<span></span></a></span></span></span></span> (D-N.D.) and <span class="rollover-people" data-behavior="rolloverpeople"><a class="rollover-people-link" data-nid="186479" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/todd-young">Todd Young</a><span class="rollover-people-block" id="rollover-people-186479"><span class="rollover-block"><span><img typeof="foaf:Image" src="/web/20180717212359im_/http://thehill.com/sites/default/files/styles/thumb_100/public/youngtodd_011117gn.jpg?itok=3Y3AlD4G" width="100" height="100" alt=""/><a class="name" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/todd-young">Todd Christopher Young</a><a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/senate/393133-gop-senators-introduce-bill-to-prevent-separation-of-immigrant-families">GOP senators introduce bill to prevent family separations at border</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/morning-report/391768-the-hills-morning-report">The Hill's Morning Report — Trump: `A very great moment in the history of the world’</a> <a class="people-articles" href="/web/20180717212359/http://thehill.com/homenews/campaign/391673-todd-young-in-talks-with-colleagues-about-chairing-nrsc">Todd Young in talks about chairing Senate GOP campaign arm</a> <a class="more" href="https://web.archive.org/web/20180717212359/http://thehill.com/people/todd-young">MORE<span></span></a></span></span></span></span> (R-Ind.) — span the political spectrum, boosting the prospects for advancing the measures.</p><p></p><p>"Our work on these bills shows a bipartisan commitment to improving economic security for workers and families, and I hope we can move them forward as they will make a difference for so many Americans who deserve to live with dignity both as workers and retirees," said Heitkamp.</p><p>One measure would pave the way for pooled employer plans, allowing smaller businesses to more easily offer retirement savings schemes for their workers.</p><p>Another bill would make more retirement savings automatic, requiring workers to opt out rather than opt in.</p><p>About one-third of private sector workers don’t have access to a workplace retirement plan, according to the U.S. Bureau of Labor Statistics, which also found that smaller businesses are significantly less likely to offer defined retirement plans compared to larger companies.</p><p>"Americans work hard day after day with often little promise of economic security in the future," Young said.</p><p>The third bill would create “emergency savings accounts” that would serve as alternatives to people accessing their retirement savings early for emergencies, while the fourth measure would allow tax filers to automatically put any tax refunds into a savings account. Those two policies would help Americans who are chronically low on savings.</p><p>More than 40 percent of Americans say they would not be able to cover an emergency expense of $400 without borrowing money or selling something, according to a report by the Federal Reserve. Automatically stashing away some cash from every paycheck into an emergency savings fund could help those individuals.</p><p>“These commonsense proposals will greatly help people save for their future and retire with dignity,” former Sen. Kent Conrad (D-N.D.), who co-led a Bipartisan Policy Center commission on retirement security and personal savings that helped shape the Senate legislation.</p></div></div></div> <div class="article-tags"> <span>Tags</span> <a href="/web/20180717212359/http://thehill.com/person/heidi-heitkamp" title="Heidi Heitkamp">Heidi Heitkamp</a> <a href="/web/20180717212359/http://thehill.com/person/cory-booker" title="Cory Booker">Cory Booker</a> <a href="/web/20180717212359/http://thehill.com/person/todd-young" title="Todd Young">Todd Young</a> <a href="/web/20180717212359/http://thehill.com/person/tom-cotton" title="Tom Cotton">Tom Cotton</a> </div> <div id="bottom-story-socials" class="blogs-social-wrp"> <div class="addthis_inline_share_toolbox_ru82"></div> <div class="share-additional"> <div class="share-linkedin"> <script> ;(function(){ var linkedinScriptEl = document.querySelector('script[src="//web.archive.org/web/20180717212359/http://platform.linkedin.com/in.js"]'); if (linkedinScriptEl == null) { var shareLinkedinEl = document.querySelector('.share-linkedin'); var scriptEl = document.createElement('script'); scriptEl.src = "//web.archive.org/web/20180717212359/http://platform.linkedin.com/in.js"; scriptEl.async = true; scriptEl.innerHTML = " lang: en_US"; shareLinkedinEl.appendChild(scriptEl); } })(); </script> <script type="IN/Share"></script> </div> <div class="share-stumbleupon"> <su:badge layout="6"></su:badge> <script type="text/javascript"> (function() { var li = document.createElement('script'); li.type = 'text/javascript'; li.async = true; li.src = ('https:' == document.location.protocol ? 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