# 119-s-4292: Improving Retirement Security for Family Caregivers Act of 2026

119-s-4292, Improving Retirement Security for Family Caregivers Act of 2026, is a 119th Congress bill sponsored by Sen. Collins, Susan M. [R-ME] (R-ME); status introduced; PRIA reads it as touching household money (as of 2026-04-29).

- Canonical: https://policyrisk.com/legislation/119-s-4292
- As of: 2026-04-29
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4292
- Congress: 119
- Title: Improving Retirement Security for Family Caregivers Act of 2026
- Status: introduced
- Introduced: 2026-04-14
- Sponsor: Sen. Collins, Susan M. [R-ME] (R-ME)
- Cosponsors: 1
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-04-29

## Summary

**Allows certain unpaid family caregivers to make Roth IRA contributions by giving them a special contribution rule tied to the existing IRA dollar limit.** It would let people who spend 500 or more hours caring for a child, a person with a special need (as defined in the Public Health Service Act), or an elderly adult and who work fewer than 500 hours in paid jobs qualify as "qualified family caregivers." Care activities counted include bathing, dressing, laundry, shopping and meal prep, medication management, transportation, and mobility help. The rule sets the caregiver contribution cap equal to the dollar amount in section 219(b)(1)(A) and coordinates with spousal IRA rules. It would apply to tax years beginning after December 31, 2025.

## Cosponsors (1)

- Sen. Warner, Mark R. [D-VA] (D-VA), 2026-04-14T00:00:00.000Z

## Provisions PRIA read

- Roth IRA access for family caregivers: benefit, high. If enacted, you would be able to contribute to a Roth IRA using the full annual IRA dollar limit for the tax year if you qualify as a "qualified family caregiver" at the end of the year. To qualify you would need 500 or more hours of unpaid in‑home caregiving and fewer than 500 hours of paid work (…

## Related bills

- 119-s-2120: Older Americans Act Reauthorization Act of 2025
- 119-s-1748: Kids Online Safety Act
- 119-s-1541: SHIPS for America Act of 2025
- 119-s-1959: A bill to protect integrity, fairness, and objectivity in decisions regarding access to classified information, and for other purposes.
- 119-s-554: United States-Israel Defense Partnership Act of 2025
- 119-s-4189: INSULIN Act of 2026

## Sources
- [119-s-4292 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4292)

## Related
- [119-s-2120: Older Americans Act Reauthorization Act of 2025](https://policyrisk.com/legislation/119-s-2120)
- [119-s-1748: Kids Online Safety Act](https://policyrisk.com/legislation/119-s-1748)
- [119-s-1541: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-s-1541)
- [119-s-1959: A bill to protect integrity, fairness, and objectivity in decisions regarding a…](https://policyrisk.com/legislation/119-s-1959)
- [119-s-554: United States-Israel Defense Partnership Act of 2025](https://policyrisk.com/legislation/119-s-554)
- [119-s-4189: INSULIN Act of 2026](https://policyrisk.com/legislation/119-s-4189)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4292 (as of 2026-04-29).