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Pensions for All Act: Mandatory Retirement Plans for Every Worker

This bill requires all employers to provide retirement benefits equivalent to the federal system or enroll employees in the Federal Employees Retirement System (FERS). It ensures that all workers, including the self-employed, have access to a retirement plan.
Key points
Employers must offer a retirement plan comparable to the federal system or participate in FERS.
Self-employed individuals are now required to have a retirement plan or join the federal system.
Small businesses and lower-income self-employed individuals receive tax credits to help pay for contributions.
Employers are strictly prohibited from cutting employee wages to pay for these new retirement benefits.
Companies that fail to provide a retirement plan face a daily fine of $10 per affected employee.
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Status: Introduced
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Additional Information
Print number: 119_HR_7556
Sponsor: Rep. Ramirez, Delia C. [D-IL-3]
Process start date: 2026-02-12
System Note: Lustra is free, publicly auditable civic infrastructure — full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source—always verify them if you can.
Summarized by: gemini-3.1-pro-preview
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Pensions for All Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_7556.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2026-02-12.

What are the main provisions?

Key points include:

  • Employers must offer a retirement plan comparable to the federal system or participate in FERS.
  • Self-employed individuals are now required to have a retirement plan or join the federal system.
  • Small businesses and lower-income self-employed individuals receive tax credits to help pay for contributions.
  • Employers are strictly prohibited from cutting employee wages to pay for these new retirement benefits.
  • Companies that fail to provide a retirement plan face a daily fine of $10 per affected employee.
What is the specific legal status?

The current status is Introduced.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Ramirez, Delia C. [D-IL-3].

What is the latest detailed status?

The latest detailed status is: Introduced in House

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2026-03-07.

What is the impact of this bill?

We don't know—that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge.

CATEGORIES

Labor Benefits Taxes