Protecting Retirement and Health Benefits for Families Act

This bill requires five major federal agencies (Social Security Administration, Medicare, IRS, VA, and HUD) to certify to Congress before implementing significant changes like staff cuts exceeding 5% in a year or closing over 5% of regional offices. Agencies must prove such changes won’t reduce benefits, delay payments, increase wait times, or weaken outreach for eligible individuals. An Inspector General must study the impact within one year and, if problems are found, require the agency to reverse the changes (e.g., reinstating staff or reopening offices). The law aims to safeguard access to retirement, health, tax, and housing benefits for millions of Americans.