Improving Retirement Security for Family Caregivers Act of 2026

Summary

The bill changes the tax code so that people who spend at least 500 hours a year caring for a child or a special‑needs adult, and who have less than 500 hours of paid work, can make Roth IRA contributions like other workers. It treats these caregivers as eligible for the standard contribution limits. The change would take effect for tax years starting after Dec. 31, 2026.

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