Improving Retirement Security for Family Caregivers Act of 2026

Summary

The bill adds a new rule to the tax code that lets people who serve as unpaid family caregivers contribute to a Roth IRA, even if they have little or no paid employment. To qualify, a caregiver must have provided at least 500 hours of care and earned fewer than 500 hours of paid work during the year. It is intended to improve retirement savings for those caring for children, disabled adults, or elderly relatives.

AI-generated summary — may be incomplete or inaccurate. Verify against the official bill text.

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