{"id":5672,"date":"2016-01-29T17:30:00","date_gmt":"2016-01-29T22:30:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/merkley-visits-eugene-small-business-to-highlight-new-retirement-security-legislation\/"},"modified":"2023-07-24T11:09:47","modified_gmt":"2023-07-24T15:09:47","slug":"merkley-visits-eugene-small-business-to-highlight-new-retirement-security-legislation","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/merkley-visits-eugene-small-business-to-highlight-new-retirement-security-legislation\/","title":{"rendered":"Merkley visita una peque\u00f1a empresa de Eugene para destacar la nueva legislaci\u00f3n sobre seguridad de la jubilaci\u00f3n"},"content":{"rendered":"

Eugene, Oreg\u00f3n<\/b>. — Today, Oregon’s Senator Jeff Merkley was in Eugene to visit Falling Sky Pour House Delicatessen to discuss his major new national retirement security legislation, the American Savings Act. The American Savings Act would give every worker without access to a retirement savings plan through their employer the ability to save for retirement through their own, personal retirement savings account modeled on the same high-quality retirement savings plan already used by federal workers and members of Congress.<\/p>\n

Senator Merkley’s new legislation builds off of successful efforts in Oregon to create an Oregon retirement savings plan for workers who not have access to a retirement savings plan through their employer. As our economy has changed and workers switch jobs more frequently over the course of their careers, fewer and fewer workers now have access to a traditional company-sponsored pension. Retirement savings must make up the difference, but 68 million Americans currently do not have access to a retirement savings plan through their employer, and these trends will only intensify with the rise of the sharing economy. <\/p>\n

La Ley de Ahorros Estadounidenses dar\u00eda a cualquier trabajador que actualmente no est\u00e9 cubierto por un plan de ahorros para la jubilaci\u00f3n patrocinado por el empleador, acceso a un nuevo tipo de cuenta de ahorros para la jubilaci\u00f3n que ser\u00eda universal, port\u00e1til, simple y personal: la Cuenta de Ahorros Estadounidenses. <\/p>\n

\n

“It shouldn’t matter whether you work part-time or full-time, as an employee or as a contractor, or for a huge corporation or a tiny business: every American worker deserves access to a financially secure retirement,” said Merkley. “And small businesses like Eugene’s Falling Sky Brewing understand the importance that retirement savings have on the lives of their employees and the health of their businesses. Because happy and secure employees, mean a stronger business.”  <\/p>\n<\/blockquote>\n

Because employers using ASAs would simply need to send employees’ ASA savings to the federal government alongside the employee tax withholdings that they already process, the American Savings Act offers a high-quality option for small businesses without added paperwork or hassle. <\/p>\n

\n

\u201cLas empresas miembros de Main Street Alliance aplauden el liderazgo del Senador Merkley en este tema importante\u201d, dijo Amanda Ballantyne, directora nacional de Main Street Alliance. \u201cEsperamos trabajar juntos para garantizar que el Sue\u00f1o Americano de jubilarse c\u00f3modamente despu\u00e9s de toda una vida de trabajo est\u00e9 al alcance de los propietarios de peque\u00f1as empresas y sus empleados\u201d. <\/p>\n<\/blockquote>\n

La legislaci\u00f3n tambi\u00e9n cuenta con el apoyo de AARP y UNITE HERE.<\/p>\n

AARP Oregon State Director Jerry Cohen said, “AARP applauds Senator Merkley’s introduction of the American Savings Act, because this legislation recognizes the serious gap in retirement readiness facing this nation, as well as the many important efforts underway in many states, including Oregon, to ensure tens of millions of workers who have no access to a workplace retirement savings plan can begin to save for their retirement.”<\/p>\n

Detalles de la Ley de Ahorros Estadounidenses<\/b><\/span><\/h3>\n

The American Savings Act would establish a new universal savings account plan?—?the American Savings Account?—?giving all working Americans who don’t have an employer-sponsored plan access to the same types of retirement savings investments that are already available to federal employees.<\/p>\n

\u00bfC\u00f3mo funcionar\u00eda?<\/b><\/h3>\n

Si su empleador a\u00fan no ofrece un plan de jubilaci\u00f3n, se le otorgar\u00e1 autom\u00e1ticamente su propia cuenta de ahorro estadounidense (ASA). Inicialmente, su empleador pondr\u00e1 3% de sus ganancias en su cuenta con cada cheque de pago, pero puede optar por ajustar su contribuci\u00f3n a tan solo 2% de sus ingresos, o hasta $18,000 por a\u00f1o, o optar por no participar por completo. <\/p>\n

ASAs will have the same investment options as federal employees get through the TSP plan, with similar rock-bottom costs. ASAs are simple for employers, who simply need to send employees’ ASA savings to the federal government alongside employee tax withholdings. Workers will control their own accounts directly through a website.<\/p>\n

Las contribuciones a una ASA ser\u00edan deducibles de impuestos, y los participantes podr\u00edan transferir cualquier IRA anterior a su ASA o transferir los fondos de su ASA a un plan 401(k) o 403(b) patrocinado por el empleador. Una junta directiva independiente administrar\u00e1 la inversi\u00f3n de los fondos.<\/p>\n

\u00bfCu\u00e1les son los beneficios de una cuenta de ahorro estadounidense?<\/b><\/h3>\n
    \n
  1. Universal<\/b>: It doesn’t matter whether you work part-time or full-time, how many employers you have, whether you work as a contractor, whether you work for a tiny company or a huge corporation: everyone can get a retirement account.<\/li>\n
  2. Portable<\/b>: You have one ASA for life. It will follow you when you change jobs or move with no extra steps or paperwork.<\/li>\n
  3. Simple<\/b>: Small businesses can offer retirement accounts without hassle or added cost.<\/li>\n
  4. Personal<\/b>: You get to decide how much to put in the accounts and choose among a number of straightforward investment options, to make sure your ASA is right for you.<\/li>\n<\/ol>\n

    Para obtener m\u00e1s informaci\u00f3n sobre la Ley de Ahorros Estadounidenses, visite merkley.senate.gov\/retirement<\/span><\/a>. <\/p>","protected":false},"excerpt":{"rendered":"

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