Working Life Support

Engine: Engine 3: Social Stack

Framing

During working years (approximately ages 22-65), the Accord provides continued life-cycle support through Skills Wallet, Distributed Healthcare coverage, and continuation of family formation support. The working-age support philosophy is not welfare: it is infrastructure. The state provides the rails; the worker provides the career.

Skills Wallet across career

Skills Wallet continues to accrue $1,000/year during working life, up to the $20,000 lifetime cap. MERIT-accredited providers include community colleges, coding bootcamps, nursing certification programs, electrical trade schools, CDL programs, and other credential-granting institutions that meet quality standards.

During recessions, the Productivity Turbo macrogovernor doubles annual Skills Wallet accrual. This is counter-cyclical by design. Productivity Turbo fires when Real GDP falls 0.7pp below 10-year trend.

Healthcare continuity

Distributed Healthcare provides coverage without link to employment. Workers changing jobs, starting businesses, taking sabbaticals, or leaving the workforce temporarily retain coverage. This eliminates the 'job lock' problem.

Family formation continuation

Workers with children under 18 continue to receive Universal Child Allowance. Workers with children under 5 have access to employer-provided childcare under the federal childcare mandate (which covers the Pre-K window for ages 3 and 4 inside the same 0-5 access guarantee).

No worker transition benefits

The Accord provides no worker transition benefits by design. Workers displaced by automation, sectoral decline, or economic restructuring rely on the existing infrastructure of the Accord: Skills Wallet for retraining, Distributed Healthcare that does not depend on employment, and the progressive income tax structure that captures revenue during employed years to fund the life-cycle stack.

The philosophical grounding is explicit: there is no special federal program for displaced workers beyond what every American already has. The Accord does not treat displaced workers as a separate constituency requiring special treatment.