Common Sense Retirement Policy

Neither the public nor the private sector are ready for the 78 million baby boomers retiring over the next 20 years. The unfunded liability of Social Security and Medicare exceeds $107 trillion — 6.5 times the size of the United States economy. Social Security and Medicare are on an unsustainable course and reform is urgently needed.

NCPA proposals would replace pay-as-you-go entitlement programs with funded programs, under which each generation pays its own way. Individuals should have the opportunity and information needed to build their personal retirement savings.

Retirement Reform


Our Ideas in Action


Our Ideas in Progress

  • Replace Pay-as-You-Go Entitlement Programs with Funded Programs
  • Allow People to Save Today for Health Care Expenses Tomorrow