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Bill Aims to Help Employees Save on the Job

Three piggy banks with retirement savings message
David Franklin

About 51 percent of Kentucky’s private sector employees—approximately 795,000 people—don’t have access to a retirement savings plan at work, and many are only one crisis away from draining their savings. That’s why AARP Kentucky is urging lawmakers to pass a bill that would create a state-facilitated retirement savings plan.

Under the proposed Work and Save legislation, small-business owners could help their employees save for retirement through automatic payroll deductions deposited to individual accounts managed by the state. Self-employed workers could join the plan, and workers who switch jobs could maintain and continue to add to their accounts.

About a dozen states have considered Work and Save legislation, and at least three have enacted it. For details, go to To find out how you can help with advocacy for Work and Save legislation in Kentucky, email

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