Economic Policy Commons^™

Expanded Child Tax Credit Payments Supported Families Raising Children With Disabilities, Allyson Baughman, Laura Brugger, Meg Comeau, Leah Hamilton, Candace Jarzombek, Caroline Parker, Stephen Roll

Social Policy Institute Research

The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6).

In addition, half the credit was paid out on a monthly basis rather than as a one-time payment at tax time. This provision was designed to provide more immediate financial support to families with children during the COVID-19 pandemic. However, it also supported families who were at …

“It Helped Us More Than I Could Have Imagined”: How The 2021 Expanded Child Tax Credit Supported Families Raising Children With Disabilities, Laura Brugger, Stephen Roll, Leah Hamilton, Allyson Baughman, Meg Comeau, Candace Jarzombeck, Caroline Parker

Social Policy Institute Research

The 2021 expanded Child Tax Credit (CTC) provided temporary enhancements to the existing CTC for the tax years 2021 and 2022. Under the expanded credit, families with children under the age of 18 were eligible to receive a credit of up to $3,000 per child ($3,600 for children under the age of 6). In addition, half the credit was paid out on a monthly basis rather than as a one-time payment at tax time. This provision was designed to provide more immediate financial support to families with children during the COVID-19 pandemic. However, it also supported families who were at …

Financial Well-Being Of Frontline Healthcare Workers: The Importance Of Employer Benefits, Mathieu Despard, Sophia Fox-Dichter, Haotian Zheng, Grace Anderson, Olivia Borland, Kourtney Gilbert

Social Policy Institute Research

Frontline healthcare workers – especially direct care workers (DCWs), such as home health aides, struggle due to low pay, lack of benefits, and difficult working conditions. The need for these workers is growing. Unless frontline healthcare jobs improve, positions may be difficult to fill, and care for vulnerable members of society may be compromised.

In this study, we surveyed 2,321 frontline healthcare workers and conducted in-depth interviews with 30 of these workers concerning pay, benefits, work conditions, and financial well-being. Key survey findings included:

• Only 39% of workers were eligible for at least four out of five major benefits (e.g., …

Democratizing The Economy Or Introducing Economic Risk? Gig Work During The Covid-19 Pandemic, Daniel Auguste, Stephen Roll, Mathieu Despard

Social Policy Institute Research

Though the growth of the gig economy has coincided with increased economic precarity in the new economy, we know less about the extent to which gig work (compared with other self-employment arrangements and non-gig work) may fuel economic insecurity among American households. We fill this gap in the literature drawing on a sample of 4,756 workers from a unique national survey capturing economic hardships among non-standard workers like app-and platform-based gig and other self-employed workers during the COVID-19 pandemic. Results from generalized boosted regression modeling, utilizing machine learning to account for potential endogeneity, demonstrated that gig workers experienced significantly greater …

Usage And Impact Of Benefits Among Frontline Healthcare Workers, Mathieu Despard

Social Policy Institute Research

We completed a study about frontline healthcare workers – the benefits they get through work and how they are doing financially. This brief provides highlights from our survey to 2,321 workers and interviews with 30 workers.

Combatting Rising Healthcare Costs For Healthier Adults, Alejandra Muñoz-Rivera

Social Policy Institute Research

In 2020, healthcare expenditures averaged $12,530 per person, up 9.7% from 2019. In 2018, 19% of U.S. households had medical debt with $2,000 being the median amount owed. Over half of adults between 18 to 64 years of age are estimated to experience some form of medical financial hardship including medical bills or debt, stress about medical bills, and delaying or forgoing treatment specifically due to cost. In a 2022 survey of 140 Medicaid and Marketplace members by researchers from the Social Policy Institute (SPI) and the Centene Center of Health Transformation, one-third of respondents reported having unpaid medical bills. …

Experimental Evidence On Consumption, Saving, And Family Formation Responses To Student Debt Forgiveness, Jason Jabarri, Stephen Roll, Mathieu Despard, Leah Hamilton

Social Policy Institute Research

As policy-makers grapple with whether or not to forgive student debt, for who, and how much, it is important to explore how student debt forgiveness would relate to intended household decisions and behaviors. We conducted a survey experiment that asked participants with student debt to imagine a scenario in which the federal government forgave a certain amount of student debt. We then had these participants report on how this would affect their decisions and behaviors. 1,053 participants were randomly assigned to one of four conditions that offered $5,000, $10,000, $20,000, and complete debt forgiveness. Our results indicate that student debt …

Disparate Financial Assistance Support For Small Business Owners, Sophia Fox-Dichter, Daniel Auguste, Mathieu Despard, Michal Grinstein-Weiss

Social Policy Institute Research

Small business owners experienced a drastic economic disruption caused by the COVID-19 pandemic. Government pandemic assistance failed to reach many small business owners, especially those historically underserved by financial institutions. Drawing on a 2021 survey of 246 small business owners, the Social Policy Institute at Washington University in St. Louis descriptively examined the extent to which small business owners sought and received business assistance, and whether applications and approval of government assistance varied by race and ethnicity. We find that though Hispanic and Black business owners applied for government assistance at a higher rate than white business owners, Black business …

Did Government Benefits Help Israeli Households Avoid Hardship During Covid-19? Evidence From A National Survey, Olga Kondratjeva, Talia Schwartz-Tayri, Sam Bufe, Stephen Roll, John Gal, Michal Grinstein-Weiss

Social Policy Institute Research

At the outset of the COVID-19 pandemic, the government of Israel quickly introduced aggressive social distancing measures to curb the virus spread and adapted its unemployment insurance program in response to rising unemployment rates. This study examines the relationship between household income and the experience of material hardship during the COVID-19 pandemic in Israel, and investigates how the receipt of unemployment benefits moderated the relationship between income and material hardship. Using data from a household survey, we find a negative association between household income and the experience of material hardship. Moreover, middle-income households receiving unemployment benefits were more likely to …

Vaccine Hesitance During Covid-19: Exploring Motivations And Incentives, Laura Brugger

Social Policy Institute Research

As rates of vaccination have slowed, concerns are growing about how to increase vaccine uptake among those who are vaccine hesitant, particularly with the emergence of new and contagious variants such as Delta. Using our national Socioeconomic Impacts of COVID-19 Survey, we examine the predictors of vaccine hesitance in the U.S. and report on findings from an experiment assessing the potential impacts of vaccine incentive schemes.

Our study points to the difficulties in overcoming vaccine hesitance among the unvaccinated. Vaccine hesitance was common across income levels, and experience with COVID-19-related hardships—such as knowing someone who died of the disease or …

Paid Sick Leave Heading Into Covid-19: A Descriptive Account Of Workers Who Lacked Paid Sick Leave, David Rothwell, Sophia Fox-Dichter, Mathieu Despard, Michal Grinstein-Weiss

Social Policy Institute Research

Paid sick leave is vital for controlling the spread of illness in the workplace and an invaluable public health tool, but too few workers have access to it. In this brief, we examine the beginning of the COVID-19 pandemic to assess paid sick leave coverage with a focus on the social and economic characteristics of workers without paid leave.

Using a nationally representative survey with roughly 4,000 working respondents, we found that a third lacked access to paid sick leave. Workers without paid leave were younger, more likely to be female, more likely to be white, and less likely to …

Expanded Child Tax Credit Payments Have Not Reduced Employment, Stephen Roll, Leah Hamilton, Yung Chun

Social Policy Institute Research

Approximately 60 million American children living in 35 million households are now receiving monthly payments from the federal government as part of the temporary Child Tax Credit (CTC) expansion. Recently, a debate has emerged over whether or not the expanded CTC will cause parents to leave the workforce. On one side of the debate, a large number of economists have argued that the CTC will not cause a reduction in employment. However, a recent study used a simulation approach to estimate that 2.6% of parents will exit the labor force as a result of the CTC.

The reports below address …

Vaccination Options For Medicaid Parents Uncomfortable With Office Visits During Covid Pandemic, Amy Mcqueen, Tess Thompson, Enguday Teshome, Jennifer Staten, Saneel Kulkarni, Thidaporn Tanpattana, Lourdes Balaez, Matthew W. Kreuter

Social Policy Institute Research

Objective: Rates of child vaccinations declined during the COVID pandemic, which increases the risk of outbreaks of preventable diseases among children. Methods: We conducted an online survey of parents of Medicaid beneficiaries age 0-5 years old in Florida USA during January 2021 to assess barriers and strategies to increase adherence to childhood vaccinations.

Results: We surveyed 1,951 parents. Most (91%) respondents reported their child was up-to-date with childhood vaccinations, but fewer (36%) children had received a flu shot. Some (31%) parents had wanted to take their child to see a doctor but decided not to, and 22% were …

Impact Of Covid-19 On Households With Children, Alejandra Muñoz-Rivera, Jason Jabbari, Stephen Roll, Michal Grinstein-Weiss

Social Policy Institute Research

The COVID-19 pandemic caused major disruptions in employment, child care and education. As a result, both parents and children experienced a variety of hardships in their work and education. While these hardships had reverberating effects throughout households, they were not equally distributed across families with children. In this brief, we explore the effects of COVID-19 on families with children, highlighting unaddressed areas of need, as well as potential points of intervention. In this study we find:

• Almost one-quarter (22%) of families experienced job or income loss as a result of child care disruptions, which was especially prevalent in households with …

Use Of Public Benefits Over The First Year Of Pandemic, Sam Bufe, Stephen Roll, Katie Kristensen, Dan Zhao

Social Policy Institute Research

In response to the economic crisis caused by the COVID-19 pandemic, the U.S. federal government enacted initiatives designed to help households weather the pandemic’s effects. These initiatives included expansions of existing programs, such as unemployment insurance, as well as new programs like the economic impact payments. In this brief, we investigate the extent to which households relied on an array of public benefit programs over the course of the pandemic, how they used their economic impact payments, and the extent to which the unemployment insurance expansion was effective in insulating recipients from hardship during the pandemic.

We find that, in …

Employment Changes During Covid-19, Mathieu Despard, Sam Bufe, Stephen Roll, Katie Kristensen

Social Policy Institute Research

Early in the COVID-19 pandemic, U.S. unemployment peaked at 14.4%. While some workers have returned to payrolls, others have been left behind. This brief examines the nuances of employment changes over the course of the pandemic and the impact of those changes on household financial well-being. Our study finds that the proportion of employees who were laid off peaked in the spring of 2020 and has only recently returned to pre-pandemic levels.

Meanwhile, self-employment rose during the pandemic by 42% between the springs of 2020 and 2021. In households where someone lost a job during the pandemic, rates of financial …

Housing Hardships During Covid-19, Sophia Fox-Dichter, Yung Chun, Stephen Roll, Katie Kristensen

Social Policy Institute Research

Even prior to the COVID-19 pandemic, U.S. households were burdened by the cost of rental and mortgage payments, burdens which disproportionately fell on Black and Hispanic families. Using a 5-wave survey, we examined whether disparities in housing cost burden continued throughout the pandemic and trends in how households fell behind on rent and mortgage payments. We found that more than a third of households experienced housing cost burdens during the pandemic, with a slightly higher percentage of households of color bearing cost burdens than white households. Renters had greater cost burdens than homeowners.

During the pandemic, significantly more Black and …

Employment, Financial And Well-Being Effects Of The 2021 Expanded Child Tax Credit: Wave 1 Executive Summary, Leah Hamilton, Stephen Roll, Mathieu Despard, Elaine Maag

Social Policy Institute Research

The 2021 temporary expansion of the Child Tax Credit (CTC) is unprecedented in its reach and is predicted to cut American child poverty by more than half. The expanded CTC provides families with $3,600 for every child in the household under the age of six, and $3,000 for every child between the ages of six and 17. Almost all middle- and low-income families with children are eligible for the CTC. Married parents making less than $150,000 and single parents making less than $112,500 per year will receive the full amount of the credit, which begins to phase out slowly after …

The Socioeconomic Impacts Of Covid-19 Study: Survey Methodology Report, Stephen Roll, Sam Bufe, Yung Chun, Michal Grinstein-Weiss

Social Policy Institute Research

The Socioeconomic Impacts of COVID-19 Survey uniquely documents the social and economic impacts of a global pandemic as people experienced the global pandemic. These findings can inform social, economic and health policies now and in the future. Though the data from the survey are not publicly available, they are freely available on a limited basis to interested researchers. If you or your organization are interested in accessing the cleaned and coded survey data, or would like more information about the survey, please reach out to the Social Policy Institute at.

Pinching Pennies Or Money To Burn? The Role Of Grit In Financial Behaviors, Jason Jabbari, Joshua Jackson, Stephen Roll, Michal Grinstein-Weiss

Social Policy Institute Research

We explore whether gritty individuals are better savers by virtue of their wealth or due to diligent choices that benefit their long-term economic health. We test these competing hypotheses by examining the ways in which grit influences how LMI tax filers report spending or saving their tax refund in the months following tax filing. We leverage a novel dataset combining longitudinal household financial survey data with administrative tax data for a sample of 6,904 low- and moderate-income tax filers. After balancing individuals on grit with propensity score weighting and machine learning, we find that grit was associated with better financial …

“Take My Word For It”: Group Texts And Testimonials Enhance State And Federal Student Aid Applications', Jason Jabbari, Stephen Roll, Sam Bufe, Jessica Mckay

Social Policy Institute Research

"As the cost of college continues to rise, it has become increasingly important for students to apply for financial aid. However, many students are unaware of the benefits of FAFSA. We launched a field experiment with a non-profit organization to explore the impact of text message interventions on FAFSA application rates. 2,236 potential students were randomized into three groups: a control group that focused on reminders for upcoming deadlines, a treatment group that focused on benefits-framed messaging, and a second treatment group that added social proofing and norming. Each group received 8 text messages from late September 2020 to early …

Timely And Well-Targeted Financial Assistance During Covid-19, Mathieu Despard, Selina Miller, Katie Kristensen

Social Policy Institute Research

The Social Policy Institute (SPI) at Washington University in St. Louis partnered with PerkUp Financial Health LLC, a financial services technology company, to study an emergency financial assistance program offered to employees of three hotels in New Orleans, LA who have been affected by the COVID-19 pandemic. PerkUp serves as a technology hub for a collaboration of non-profit partners that deliver financial support services and innovative products to employees of participating companies. The array of financial health services available through the PerkUp platform provides a financial safety net for the most financially vulnerable employees.

Does Frequency Or Amount Matter? Testing The Perceptions Of Four Universal Basic Income Proposals, Leah Hamilton, Mathieu Despard, Stephen Roll, Dylan Bellisle, Christian A. Hall, Allison Wright

Social Policy Institute Research

The concept of universal basic income (UBI) first gained traction in the United States in the 1960s Civil Rights Movement and again recently due to the 2008 recession and COVID-19 pandemic. Still, the idea lags in popularity in comparison to existing cash transfer policies like the Earned Income Tax Credit and COVID relief packages. We hypothesize that this disparity is related to predicted uses of a UBI in comparison annual or lump sum cash programs. In this survey of 837 American Amazon MTurk workers, we explore whether predicted behavioral responses to four randomly assigned hypothetical cash transfer scenarios vary across …

All Over The Map: A Systematic Literature Review And State Policy Scan Of Medicaid Buy-In Programs For Working Individuals With Disabilities, Dan Ferris, Mpa, Yueh-Ya Hsu, Mph, William Liem, Msw, Meredith Raymond, Msw, Mary Acri, Phd

Social Policy Institute Research

While supports for people with disabilities have increased, significant healthcare and financial barriers persist. State-administered Medicaid Buy-In programs for working people with disabilities, distinct from broader buy-in discussions that have emerged as some states consider expanding access to health insurance, are intended to incentivize employment and protect against a loss of Long-Term Services and Supports. Loss of these services would be detrimental to a person’s ability to access daily living and workforce participation supporting services. This paper explores identified drivers of and barriers to participation, outcomes, and the current state of programs that are currently in place. Authors conducted a …

Nudging Parents To Improve Children's Oral Health: A Field Study, Deborah Marciano, Ariel Tikotsky, Merav Kynam Orenstein, Hadas Goldberg, Yuval Vered

Social Policy Institute Research

This brief presents the results from a field experiment that tested strategies for improving parental participation in an oral health promotion workshop.

In this study, daycare centers, in which a team of dental hygienists provided oral health workshops for parents, were randomly assigned to one of six experimental conditions.

Specifically, daycare centers were randomly assigned to introduce the Teeth Brushing Board (TBB)—i.e., an interactive poster board to report whether parents brushed their child’s teeth the previous day—into daycare classrooms in the two weeks before the oral health workshop. Further, parents were randomly assigned to receive invitation letters to the workshop …

Increasing Successful Completion Of Practical Engineering Diploma Programs, Naomi Gershoni

Social Policy Institute Research

This brief summarizes the results from an experiment that focused on increasing the percentage of college students who submitted and successfully defended their final projects and thus were eligible to earn a professional degree from a technical college.

The experiment focused on three study fields: architecture, electrical engineering, and software engineering.

In the study, a random group of college departments introduced pre-specified deadlines for the final project submission and defense, as well as sent students personalized text messages that provided reminders, encouragements, and additional information on the benefits of completing program requirements in a timely manner.

Study findings show that …

Covid-19 Educational Inequities: Shining A Light On Disparities In A Graduate School Of Social Work, Jason Jabbari, Dan Ferris, Tyler Frank, Michal Grinstein-Weiss

Social Policy Institute Research

In the wake of COVID-19, universities and schools of social work face unprecedented challenges and uncertainty in aligning their academic models with public heath protocols and best practices, while prioritizing the safety and well-being of their students. In order to best respond to these challenges and uncertainty, more research is needed to advance a greater understanding of (1) what challenges students face, (2) who is most at risk and impacted by these challenges, and (3) how universities can best support students. Through a survey administered during the spring 2020 semester at a large research university in the Midwest, we explored …

Racial And Ethnic Disparities In Housing Instability During The Covid-19 Pandemic, Yung Chun, Stephen Roll, Selina Miller, Hedwig Lee, Savannah Larimore, Michal Grinstein-Weiss

Social Policy Institute Research

Stable and adequate housing is critical in the midst of a pandemic; without housing, individuals and families cannot shelter in place to prevent the spread of disease. Understanding and combating housing hardships in vulnerable populations is therefore essential to a sound public health response. This study aims to explore the pandemic’s disproportionate impacts on housing-related hardships across racial/ethnic groups in the United States as well as the extent to which these disparities are mediated by households’ broader economic circumstances; namely, their pre-pandemic liquid asset levels and the experience of COVID-19-related job and income losses. Using a national survey of over …

Who Relocates, Where Do They Move, And Why?, Yung Chun, Jason Jabbari, Pranav Nandan, Andrew Foell, Michal Grinstein-Weiss

Social Policy Institute Research

The lack of socioeconomic mobility among marginalized populations leads to the concentration of poverty, a long-standing issue in American cities. Empirical studies on neighborhood effects have found that poverty concentration adversely affects the socioeconomic mobility of residents—associated with their economic well-being, employment, education, health, and safety—in lower-income neighborhoods. Through a variety of neighborhood revitalization projects, federal, state, and local governments have put enormous efforts into cutting the vicious cycle of poverty while increasing the socioeconomic mobility of lower-income households. One of these projects, the Choice Neighborhood Initiative, is a recent Federal effort to revitalize distressed public housing sites in American …

Income Loss And Financial Distress During Covid-19: The Protective Role Of Liquid Assets, Stephen Roll, Mathieu Despard

Social Policy Institute Research

Nearly a quarter of U.S. households have experienced job or income losses related to the COVID-19 pandemic. Liquid assets mitigate financial distress in the face of financial shocks such as job loss, yet this relationship in the midst of the COVID-19 pandemic is unknown. Using a nationally representative sample of U.S. households (N = 4,383) who completed a survey in the early days of the pandemic, we examined pre-pandemic liquid assets as a moderator of the relationship between job and income loss and difficulty meeting financial obligations and use of high-cost financial resources. Estimates from propensity score-weighted linear probability models …