Social and Behavioral Sciences Commons^™

Late-Life Gender Disparities In Economic Security: Evidence From The 2022 Elder Index, Jan E. Mutchler, Nidya Velasco Roldán, Yan-Jhu Su

Center for Social and Demographic Research on Aging Publications

Estimates from the 2022 Elder Index illustrate the elevated risk of economic insecurity experienced by older women, especially those living alone. We use the Elder Index to calculate the percentage of older adults living in one- and two-person households with annual incomes that do not support economic security. National averages suggest that half of older women living alone, along with 42% of older men living alone, have annual incomes below the Elder Index. In addition, 21% of older couples have annual incomes below the Elder Index. Women in same-sex couples experience greater levels of disadvantage than men in same-sex couples …

Living Below The Line: Economic Insecurity And Older Americans, Insecurity In Massachusetts, 2022, Jan Mutchler, Nidya Velasco Roldán, Yan-Jhu Su

Center for Social and Demographic Research on Aging Publications

New estimates from the 2022 Elder Index^TM reveal that the cost of living in Massachusetts has increased substantially in recent years for older adults, especially for renters. The Elder Index measures the necessary costs faced by households made up of one or two older adults, calculated county by county for the entire United States. Estimated costs are higher in Massachusetts than in any other state in the nation. Within the Commonwealth, the Elder Index is lowest in Western Massachusetts, and highest in Metro Boston, Martha’s Vineyard and Nantucket, with differences in the Elder Index across locations accounted for largely …

Living Below The Line: Economic Insecurity And Older Americans, Insecurity In The States, 2022, Jan Mutchler, Yan-Jhu Su, Nidya Velasco Roldan

Center for Social and Demographic Research on Aging Publications

New estimates from the 2022 Elder Index^TM suggest that nearly half of older adults living alone, and one out of five older couples, lack the financial resources required to pay for basic needs. We compared household incomes for adults age 65 and above living in one- and two-person households to the 2022 Elder Index for each state to calculate Economic Insecurity Rates (EIRs), the percentage of independent adults age 65 or older with annual incomes that do not support economic security. The EIRs allow a better understanding of how many and which older adults are experiencing economic insecurity. National …

¡Avancemos Ya!: Persistent Economic Challenges And Opportunities Facing Latinos In Massachusetts, Trevor Mattos, Phillip Granberry, Vishakha Agarwal

Gastón Institute Publications

Massachusetts is among the wealthiest states in the country, yet Latino communities here have struggled economically relative to Latinos nationwide. There have been some bright spots—poverty rates have decreased and Latinos now have higher rates of entrepreneurship, education and labor force participation than in years past. Still, a disproportionate share of the more than 800,000 Latinos in Massachusetts today contend with food insecurity and have low rates of intergenerational economic mobility.

Aging In The 100 Largest Metropolitan Areas: How Do Older Adults Fare?, Jan Mutchler, Yang Li

Center for Social and Demographic Research on Aging Publications

New estimates from the 2020 Elder Index show that living expenses are high in metropolitan areas across the U.S., and many older singles and couples lack the resources needed to get by in their communities. Focusing on the 100 largest metropolitan areas, we compare the 2020 Elder Index to household incomes among adults aged 65 years or older living in one- and two-person households. Based on this comparison, we find that in each of the 100 largest metro areas, at least 37% of older singles are at risk of being unable to afford basic needs and age in their own …

Latinx Population Hit Hard In The Covid-19 Recession: Mounting Hardships And One Big Idea For An Inclusive Recovery, Trevor Mattos, Bansari Kamdar, Phillip Granberry, Fabián Torres-Ardila

Gastón Institute Publications

Back before the COVID-19 crisis hit and the economy was relatively strong in the aggregate, Massachusetts’ Latinx population—a diverse and growing community that makes valuable economic and cultural contributions—had the lowest incomes and lowest homeownership rate among racial/ethnic groups in Massachusetts. Latinx working-age adults tended to have lower levels of educational attainment and were more likely to have limited English language proficiency. These, in part, contributed to higher levels of unemployment and food insecurity before the pandemic. Then the COVID crisis hit in March of 2020, serving to compound many of these pre-existing challenges, as Latinx workers were more likely …

The Gap Remains: Social Security Benefits Continue To Fall Short Of Covering Basic Cost Of Living For Older Americans, 2015-2020, Jan Mutchler, Yang Li

Center for Social and Demographic Research on Aging Publications

Older Americans rely heavily on Social Security to support an independent lifestyle. Recent estimates suggest that among adults aged 65 years or older, more than half rely on Social Security for at least 50% of their family income, while nearly a quarter depend on Social Security for 90% or more of their family income.

Despite this substantial reliance on Social Security among older adults, Social Security benefits fall short of what is required to cover a basic cost of living across the United States, according to new estimates based on the Elder Index, a county-by-county measure of the income older …

Living Below The Line: Economic Insecurity And Older Americans, Insecurity In Massachusetts 2019, Jan Mutchler, Yang Li, Nidya Velasco Roldán

Center for Social and Demographic Research on Aging Publications

New estimates from the 2019 Elder Index^TM reveal that in Massachusetts, more than six out of ten older adults living alone, and three out of ten living in two-person households, cannot afford the basic necessities of life such as food, housing, and health care. The Gerontology Institute compares household incomes for adults age 65 and above living in one- and two-person households to the 2019 Elder Index for Massachusetts to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do not support economic security. The …

Living Below The Line: Economic Insecurity And Older Americans, Insecurity In The States 2019, Jan Mutchler, Yang Li, Nidya Velasco Roldán

Center for Social and Demographic Research on Aging Publications

New estimates from the 2019 Elder Index^TM suggest that half of older adults living alone, and 23% of older adults living in two-elder households, lack the financial resources required to pay for basic needs. The Gerontology Institute compares the 2019 household incomes for adults age 65 and above living in one- and two-person households to the 2019 Elder Index for each state and Washington, DC to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do not support economic security. The EEIRs allow state and …

Reference Guide: Identifying Policy Levers To Improve The Massachusetts System Of Public Supports For Low-Income Families, Jason Wright, Uchenna Nwangwu, Caitlin A. Carey, Susan Crandall

Center for Social Policy Publications

The goal of this reference guide is to provide background information on eligibility requirements for public assistance programs available to low-income families in the state of Massachusetts to demonstrate the inconsistencies and complexities that arise from those eligibility requirements. In order to better understand these complex systems, the policy levers are identified in the form of information about the associated legislation and government agencies for each public support program. This information can be used to develop more effective and efficient policies and better serve the needs of low-income families.

Statedata: The National Report On Employment Services And Outcomes Through 2016, Jean Winsor, Jaimie Ciulla Timmons, John Butterworth, Alberto Migliore, Daria Domin, Agnes Zalewska, John Shepard, Thinkwork! At The Institute For Community Inclusion At Umass Boston

ThinkWork! Publications

Recent legislation and regulation governing Medicaid Home and Community-Based Services (HCBS), the Workforce Innovation and Opportunity Act of 2014 (WIOA), and settlement agreements between states and the U.S. Department of Justice are clarifying federal intent and paving the way to supporting opportunities for people with disabilities to have meaningful jobs in their communities. With an increasing emphasis on integrated employment and an Employment First philosophy, the nation is poised for transformation that could put Americans with disabilities on a path out of poverty and towards self-sufficiency. However, there remains a significant gap in employment rates between people with and without …

A Comprehensive Database Of Senior Centers In Massachusetts, Jan E. Mutchler, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report was produced by the Center for Social and Demographic Research on Aging (CSDRA), a research unit within the Gerontology Institute at UMass Boston, in partnership with the Massachusetts Association of Councils on Aging (MCOA).

The goal of this project is to develop and distribute a comprehensive database that will contribute to successfully meeting the shared goals of MCOA and EOEA. It will facilitate clearer explanations about what COAs do, supporting more effective advocacy efforts on the part of MCOA and stronger reporting by EOEA. It will be a resource for MCOA staff, helping member COAs identify relevant models …

Most Common Bundles Of Public Assistance Benefits For Low-Income Massachusetts Families: A Technical Research Brief, Caitlin A. Carey

Center for Social Policy Publications

This report analyzes the most common bundles of public assistance benefits for low-income residents of Massachusetts. The findings can be used to better understand the relative success of these public assistance programs at reaching low-income target populations. Furthermore, the combination of benefits received can help provide insights regarding where families might experience cliff effects; data that can be used to inform policy changes to help ameliorate cliff effects.

The Massachusetts Paid Leave Program: What Workers Can Expect To Pay And Receive, Randy Albelda, Alan Clayton-Matthews

Publications from the Center for Women in Politics and Public Policy

On June 28, 2018, Massachusetts became only the sixth state in the country to provide partial wage replacement to workers that need to leave work for a serious health condition, the birth of a child, to bond with a new child, or to care for a seriously ill family member. The new law is slated to be implemented in 2019 with payments while on leave to begin in 2021. This brief outlines the key elements of the new Massachusetts paid leave program and discusses the amounts workers at various wage levels will contribute and the level of benefits they will …

Paid Family And Medical Leave: Cost And Coverage Estimates Of Three Choices In Massachusetts, Policy Brief, Randy Albelda, Alan Clayton-Matthews

Publications from the Center for Women in Politics and Public Policy

This policy brief explores the costs and coverage of three proposed paid family and medical leave programs for Massachusetts. These are House Bill 2172, Senate Bill 1048, and 2018 Initiative Petition C. Each of these proposed programs establishes a contributory fund paid by employers and employees, to be used for eligible workers when they are out of work for their own serious health condition or that of a family member, for pregnancy, or to bond with a new child. The medical leaves considered are for own health reasons, including those related to pregnancy. Family leaves are for bonding with a …

Description Of The Albelda Clayton-Matthews/Iwpr 2017 Paid Family And Medical Leave Simulator Model, Alan Clayton-Matthews, Randy Albelda

Economics Faculty Publication Series

The basic strategy behind our approach to estimating the cost of a paid leave program was to, as much as possible, base estimates of program costs on actual known leave-taking behavior, and where this was not possible, to estimate a range of program costs reflecting a range of reasonable assumptions about unknown aspects of behavior in the presence of a paid leave program. We wanted to be able to estimate the sensitivity of program costs estimates to these assumptions. We also wanted to be able to analyze the distribution of program benefits by demographic characteristics. Furthermore, we wanted to be …

Living Below The Line: Economic Insecurity And Older Americans, Age Disparities In Insecurity, 2016, Jan Mutchler, Yang Li, Ping Xu

Center for Social and Demographic Research on Aging Publications

New estimates from the 2016 Elder Economic Security Standard^TM Index highlight the high risk of economic insecurity experienced by older adults, a risk that is especially high for the oldest seniors. The Gerontology Institute compares the 2016 household incomes for adults age 65 and above living in one- and two-person households to the 2016 Elder Economic Security Standard^TM Index for each state and Washington, DC to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do not support economic security. The EEIRs allow state …

Living Below The Line: Economic Insecurity And Older Americans, Racial And Ethnic Disparities In Insecurity, 2016, Jan Mutchler, Yang Li, Ping Xu

Center for Social and Demographic Research on Aging Publications

New estimates from the 2016 Elder Economic Security Standard^TM Index highlight the high risk of economic insecurity experienced by older adults, a risk that is especially high for racial and ethnic minorities. The Gerontology Institute compares the 2016 household incomes for adults age 65 and above living in one- and two-person households to the 2016 Elder Economic Security Standard^TM Index for each state and Washington, DC to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do not support economic security. The EEIRs allow …

Living Below The Line: Economic Insecurity And Older Americans, Gender Disparities In Insecurity, 2016, Jan Mutchler, Yang Li, Ping Xu

Center for Social and Demographic Research on Aging Publications

New estimates from the 2016 Elder Economic Security Standard^TM Index highlight the high risk of economic insecurity experienced by older adults, a risk that is especially high for older women living alone. The Gerontology Institute compares the 2016 household incomes for adults age 65 and above living in one- and two-person households to the 2016 Elder Economic Security Standard^TM Index for each state and Washington, DC to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do not support economic security. The EEIRs allow …

Exploring Opportunities For Urban Youth Inclusion In The Creative Economy In Boston’S Dudley Square, Susan Crandall, Marija Bingulac, Bianca Ortiz-Wythe, Andrew Seeder

Center for Social Policy Publications

Communities throughout the U.S. need to attract and retain businesses and talent to grow and to thrive. One approach to economic development which has gained traction in recent years is the concept of a “creative economy,” which suggests that investing in creative occupations and industries is integral to support economic and culturally vibrant cities.

Although the implementation of creative economy initiatives has successfully boosted economic development in some cities and regions, critics have argued that a focus on the creative economy is fueling urban inequality, focusing primarily on college-educated professionals and ignoring the needs of blue collar and service workers. …

The Road To The Cliff Edge: Understanding Financial Gaps In Public Assistance Programs Available To Massachusetts Families, Marija Bingulac, Caitlin A. Carey, Susan Crandall

Center for Social Policy Publications

To better understand the interaction between public supports and earned income and its impact on overall economic well-being, we conducted research on public support program eligibility criteria, regulations, and administration. We use the concept of “financial gaps” to outline specific problems created by the complex system of public supports built around an inadequate assessment of households’ ability to meet basic needs. The typology we provide is intended to be a tool for advocates, service providers, researchers, and policy makers that will help them hone in on the precise problem and develop appropriate policy interventions.

Recovery For All? A Snapshot Of Women’S Economic Status In New England, Ann Bookman, Christa Kelleher, Kristin Smith

Publications from the Center for Women in Politics and Public Policy

This November 2016 report, based on pre-recession and post-recession earnings data from the American Community Survey, demonstrates that while women’s overall earnings are now higher than pre-recession levels, other key indicators demonstrate a growing wage gap for many women—especially minorities and low-wage workers.

Minority women in New England who are employed full-time, year-round earned 62 percent as much as white men, both before and after the recession. While the gap between minority women’s and white women’s earnings decreased in Maine, New Hampshire, and Rhode Island after the recession, it stayed the same in Massachusetts and widened in Connecticut and Vermont. …

Living Below The Line: Economic Insecurity And Older Americans Insecurity In Massachusetts 2016, Jan E. Mutchler, Yang Li, Ping Xu

Center for Social and Demographic Research on Aging Publications

New estimates from the 2016 Elder Economic Security Standard Index^TM reveal that in Massachusetts, six out of ten older adults living alone, and three out of ten living in two-person households, cannot afford the basic necessities of life such as food, housing in a safe community and health care. The Gerontology Institute compares 2016 household incomes for adults age 65 and above living in one- and two-person households to the 2016 Elder Economic Security Standard Index^TM for Massachusetts to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent adults age 65 or older living in households with …

Living Below The Line: Economic Insecurity And Older Americans Insecurity In The States 2016, Jan E. Mutchler, Yang Li, Ping Xu

Center for Social and Demographic Research on Aging Publications

New estimates from the 2016 Elder Economic Security Standard Index^TM suggest that half of older adults living alone, and one out of four older adults living in two-elder households, lack the financial resources required to pay for basic needs. The Gerontology Institute compares the 2016 household incomes for adults age 65 and above living in one- and two-person households to the 2016 Elder Economic Security Standard Index^TM for each state and Washington, DC to calculate Elder Economic Insecurity Rates (EEIRs), the percentage of independent older adults age 65 or older living in households with annual incomes that do …

Between A Rock And A Hard Place: A Closer Look At Cliff Effects In Massachusetts, Randy Albelda, Michael Carr

Center for Social Policy Publications

This report shows that universal free education and child care would substantially increase family net resources and alleviate cliff effects.

It’S About Time: Costs And Coverage Of Paid Family And Medical Leave In Massachusetts, Randy Albelda, Alan Clayton-Matthews

Publications from the Center for Women in Politics and Public Policy

In the United States, some, but far from all, employers offer certain forms of wage replacement when workers take a leave for medical or family reasons. In 2015, only 12% of all workers had access to paid family leave from their employers, 38% had access to short-term disability leave, and 65% had paid sick leave. Extending paid family and medical leave to all employees through a statewide program would share the costs and expand access, level the employment playing field, and reduce inequality among workers. One often-cited obstacle to providing paid family and medical leave in the United States is …

Boston Children Thrive In 5: Connecting Families, Building Community (Presentation Slides), Donna Haig Friedman, Mary Coonan, Anne Douglass, Alice Carter

Center for Social Policy Publications

Presentation about the Boston Thrive in 5 program.

Metropolitan Boston Housing Partnership’S Family Self-Sufficiency Program Evaluation, July 1, 2010 – June 30, 2015, Brandynn Holgate, Julia Tripp, Sylvia Singleton, Priyanka Kabir, Wendel Mirbel, Donna Haig Friedman

Center for Social Policy Publications

The final report on Metropolitan Boston Housing Partnership's (MBHP) Family Self-Sufficiency (FSS) program evaluation aims to improve our collective understanding of how the FSS program works, who benefits from the program and how they benefit, and the circumstances that are associated with success. The research findings are divided into five sections:

• A comparison of MBHP’s FSS program outcomes to the national average
• A description of how FSS graduates spend their escrow savings
• A comparison of FSS graduates with those who terminate from the program
• Mini-case examples on MBHP partnerships
• An assessment of goals and outcomes for MBHP under the TBF …

Assessment Of Impacts Of The Biomedical Careers Program – Just-A-Start Corporation Of Cambridge, Ma, Brandynn Holgate, Françoise Carré, Michael Mccormack, Wendel Mirbel

Center for Social Policy Publications

In 2015, Just-a-Start Corporation (JAS) of Cambridge, MA asked the UMass Boston Center for Social Policy to conduct an assessment of the impacts of the Biomedical Careers Program on the region and state, examining individual impacts for graduates as well as the economic contributions of program graduates to the biomedical industry.

The Biomedical Careers Program (hereafter “BioMed”) is described by JAS as an eight month program designed to enable local residents to complete “a Certificate in Biomedical Sciences to prepare them for entry level jobs at local biotechnology companies, universities, research institutions, clinical laboratories and hospitals. The program includes a …

On Solid Ground: Building Opportunity, Preventing Homelessness, Center For Social Policy, University Of Massachusetts Boston, Edward J. Collins, Jr. Center For Public Management, University Of Massachusetts Boston

Center for Social Policy Publications

This paper presents many of the factors that contribute to family instability; identifies the gaps in programs meant to serve low-income families; documents the role of federal and state rental subsidy programs; and demonstrates the interconnected roles of rental assistance, childcare, and employment assistance in increasing family incomes. The coalition of agencies undertook both quantitative and qualitative research for this paper. The coalition held focus groups with numerous stakeholders across the Commonwealth—families who have experienced or are at risk of homelessness, service providers, and public employees. On Solid Ground thanks the many participants who shared their experiences, as well as …