This document contains witness testimonies and prepared statements from the Senate hearing held in Cleveland, Ohio to examine issues dealing with work and retirement policy and how they affect older women. Opening statements are presented from Senator John Glenn and Congresswoman Mary Rose Oakar. Witnesses providing testimony include: (1) Harvey Sterns, an associate professor of psychology and gerontology and director of the Institute for Life-Span Development and Gerontology; (2) Audrey Spencer, executive director of Western Reserve Area Agency on Aging; (3) Bobbi Presley, director of women's program, Cuyahoga Community College; (4) Cathie Collins, a student at Cuyahoga Community College and a member of Displaced Homemakers Program; (5) Marge Butera, manager of rehabilitation vocational guidance services and former director of Skills Available; (6) Mary Williams, nursing assistant and participant of vocational guidance services' Skills Available Program; (7) Phoebe Bailey, preretirement planner, American Association of Retired Persons; (8) Wilma Combs, chief of small and disadvantaged business utilization, Defense Contract Administrative Services Region; (9) Lois Goodman, manager, Career Development AmeriTrust Company; and (10) Zev Harel, director, Center on Applied Gerontological Research, Cleveland State University. Witnesses discuss job and employment training programs for middle-aged and older women; the importance of life-long learning and training to prepare for multiple careers; and the need to plan for retirement early in one's working life. Additional materials are appended. (NB)