{"id":5675,"date":"2016-01-28T16:52:00","date_gmt":"2016-01-28T21:52:00","guid":{"rendered":"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/"},"modified":"2023-07-24T11:09:47","modified_gmt":"2023-07-24T15:09:47","slug":"senator-pushes-retirement-savings-account-bill","status":"publish","type":"post","link":"https:\/\/www.merkley.senate.gov\/es\/senator-pushes-retirement-savings-account-bill\/","title":{"rendered":"Senador impulsa proyecto de ley de cuentas de ahorro para la jubilaci\u00f3n"},"content":{"rendered":"<p>El Senador Jeff Merkley, D-Ore., dio a conocer el jueves la Ley de Ahorros Estadounidenses, una legislaci\u00f3n que dar\u00eda a los trabajadores sin acceso a un plan de jubilaci\u00f3n en el trabajo la capacidad de ahorrar a trav\u00e9s de una Cuenta de Ahorros Estadounidense, siguiendo el modelo de las cuentas ofrecidas a los empleados federales y al Congreso.<\/p>\n<p>\u201cNo deber\u00eda importar si trabaja a tiempo parcial o completo, como empleado o contratista, o para una gran corporaci\u00f3n o una peque\u00f1a empresa: todos los trabajadores estadounidenses merecen tener acceso a una jubilaci\u00f3n financieramente segura\u201d, dijo Merkley al presentar el factura. \u201cCon las pensiones del sector privado cada vez m\u00e1s raras, el Seguro Social y los ahorros para la jubilaci\u00f3n son m\u00e1s importantes que nunca para la seguridad de la jubilaci\u00f3n, raz\u00f3n por la cual debemos fortalecer el Seguro Social y ampliar las opciones de ahorro para la jubilaci\u00f3n de alta calidad para todos los trabajadores\u201d.<\/p>\n<p>Es probable que el proyecto de ley se remita al Comit\u00e9 Senatorial de Salud, Educaci\u00f3n, Trabajo y Pensiones (HELP).<\/p>\n<p>dijo el&nbsp;<a href=\"http:\/\/www.merkley.senate.gov\/es\/imo\/media\/doc\/20160128_ASARetirement.pdf\/\">nuevo tipo de planes de ahorro<\/a>&nbsp;ser\u00eda \u201cuniversal, port\u00e1til, simple y personal\u201d y que si el empleador de un trabajador no ofrece un plan, se le dar\u00eda \u201cautom\u00e1ticamente\u201d su propio ASA.<\/p>\n<p>Los empleadores, explic\u00f3, pondr\u00e1n 3% de las ganancias de un trabajador en su cuenta con cada cheque de pago, pero los trabajadores pueden optar por ajustar las contribuciones a tan solo 2% de ingresos, o hasta $18,000 por a\u00f1o, o optar por no participar por completo.&nbsp;<\/p>\n<p>Los ASA tendr\u00e1n las mismas opciones de inversi\u00f3n que los empleados federales obtienen a trav\u00e9s del Thrift Savings Plan, con &quot;costos m\u00ednimos&quot; similares, dijo Merkley. Los ASA, agreg\u00f3, \u201cson simples para los empleadores, quienes simplemente necesitan enviar los ahorros de ASA de los empleados al gobierno federal junto con las retenciones de impuestos de los empleados\u201d. Los trabajadores controlar\u00e1n sus propias cuentas directamente a trav\u00e9s de un sitio web.<\/p>\n<p>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.<\/p>\n<p>Los empleadores que utilizan ASA &quot;simplemente tendr\u00edan que enviar los ahorros de ASA de los empleados al gobierno federal junto con las retenciones de impuestos de los empleados que ya procesan&quot;, se\u00f1al\u00f3 Merkly, por lo que los AMA ofrecen una &quot;opci\u00f3n de alta calidad para las peque\u00f1as empresas sin papeleo ni molestias adicionales&quot;.<\/p>","protected":false},"excerpt":{"rendered":"<p>Sen. Jeff Merkley, D-Ore., unveiled Thursday the American Savings Act, legislation that would give workers without access to a retirement plan at work the ability to save through an American Savings Account, modeled on accounts offered to federal employees and Congress. &ldquo;It shouldn&rsquo;t matter whether you work part time or full time, as an employee [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[26],"tags":[44],"class_list":["post-5675","post","type-post","status-publish","format-standard","hentry","category-in-the-news","tag-jobs-and-the-economy"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Senator Pushes Retirement Savings Account Bill - Merkley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.merkley.senate.gov\/es\/senator-pushes-retirement-savings-account-bill\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Senator Pushes Retirement Savings Account Bill - Merkley\" \/>\n<meta property=\"og:description\" content=\"Sen. Jeff Merkley, D-Ore., unveiled Thursday the American Savings Act, legislation that would give workers without access to a retirement plan at work the ability to save through an American Savings Account, modeled on accounts offered to federal employees and Congress. &ldquo;It shouldn&rsquo;t matter whether you work part time or full time, as an employee [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.merkley.senate.gov\/es\/senator-pushes-retirement-savings-account-bill\/\" \/>\n<meta property=\"og:site_name\" content=\"Merkley\" \/>\n<meta property=\"article:published_time\" content=\"2016-01-28T21:52:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-07-24T15:09:47+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/\"},\"author\":{\"name\":\"\",\"@id\":\"\"},\"headline\":\"Senator Pushes Retirement Savings Account Bill\",\"datePublished\":\"2016-01-28T21:52:00+00:00\",\"dateModified\":\"2023-07-24T15:09:47+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/\"},\"wordCount\":372,\"keywords\":[\"Jobs and the Economy\"],\"articleSection\":[\"In the News\"],\"inLanguage\":\"es-MX\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/\",\"url\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/\",\"name\":\"Senator Pushes Retirement Savings Account Bill - Merkley\",\"isPartOf\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\"},\"datePublished\":\"2016-01-28T21:52:00+00:00\",\"dateModified\":\"2023-07-24T15:09:47+00:00\",\"author\":{\"@id\":\"\"},\"breadcrumb\":{\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/#breadcrumb\"},\"inLanguage\":\"es-MX\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.merkley.senate.gov\/senator-pushes-retirement-savings-account-bill\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.merkley.senate.gov\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Senator Pushes Retirement Savings Account Bill\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.merkley.senate.gov\/#website\",\"url\":\"https:\/\/www.merkley.senate.gov\/\",\"name\":\"Merkley\",\"description\":\"Merkley\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.merkley.senate.gov\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"es-MX\"},{\"@type\":\"Person\",\"@id\":\"\",\"url\":\"https:\/\/www.merkley.senate.gov\/es\/author\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Senator Pushes Retirement Savings Account Bill - Merkley","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.merkley.senate.gov\/es\/senator-pushes-retirement-savings-account-bill\/","og_locale":"es_MX","og_type":"article","og_title":"Senator Pushes Retirement Savings Account Bill - Merkley","og_description":"Sen. 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