Public Policy Commons^™

Employee Financial Wellness Programs: Promising New Benefit For Frontline Workers?, Mathieu Despard, Ellen Frank-Miller, Yingying Zeng, Sophia Fox-Dichter, Geraldine Germain, Michal Grinstein-Weiss, Meredith Covington

Social Policy Institute Research

Interest among employers is growing in Employee financial wellness programs (EFWPs), a new type of benefit to address financial stress among employees. EFWPs benefits include financial counseling, small-dollar loans, and savings programs that address employees' non-retirement financial needs. Little evidence exists concerning the availability and use of and outcomes associated with EFWPs, especially among low- and moderate-income (LMI) workers who may be in greatest need of these benefits. We present findings concerning awareness and use of EFWPs from a national survey of LMI workers (N=16,650). Availability of different EFWP benefits ranged from 11 to 15% and over a third of …

The Impact Of Tax Refund Delays On The Experience Of Hardship And Unsecured Debt, Olga Kondratjeva, Stephen Roll, Mathieu Despard, Michal Grinstein-Weiss

Social Policy Institute Research

The Earned Income Tax Credit (EITC) provides substantial financial support to low-income workers, yet around a quarter of EITC payments are estimated to be erroneous or fraudulent. Beginning in 2017, the Protecting Americans from Tax Hikes Act of 2015 requires the Internal Revenue Service to spend additional time processing early EITC claims, delaying the issuance of tax refunds. Leveraging unique data, we investigate how delayed tax refunds affected the experience of hardship and unsecured debt among EITC recipients. We find that early filers experienced increased food insecurity relative to later filers after the implementation of the refund delay.

Financial Counseling For Front-Line Workers: A Pilot Study Of Engagement And Outcomes, Mathieu Despard, Yingying Zeng, Sophia Fox-Dichter, Ellen Frank-Miller, Michal Grinstein-Weiss

Social Policy Institute Research

Although financial counseling has been studied in community-based settings, programs offered in the workplace are understudied and yet may aid low- to moderate income employees in improving their financial situations. This study examines workers’ engagement in and associated credit outcomes from an employer-based financial counseling program in the New York City area. Findings suggest that participants engaged equally in services except for older and non-English speaking workers, who had lower levels of digital engagement. In-person engagement in services was minimal. Credit score improvements were modest, but greater for workers who had

scores in the lowest quartile at baseline. These credit …

Promoting Public Retirement Savings Accounts During Tax Filing: Evidence From A Field Experiment, Stephen Roll, Michal Grinstein-Weiss, Olga Kondratjeva, Sam Bufe

Social Policy Institute Research

Many U.S. households—especially those with low- to moderate-incomes (LMI)—struggle to save for retirement. To address this issue, the Department of the Treasury launched myRA, a no-fee retirement account designed primarily to help people who lacked access to employer-sponsored plans build retirement savings. In this paper, we report findings from two myRA-focused field experiments, both of which were administered to well over 100,000 LMI online tax filers before and during the 2016 tax season. The first experiment involved sending one of three different myRA-focused email messages to tax filers immediately prior to tax season, and the second experiment …

Employee Financial Wellness Programs: Tips For Providers, Jenna Hampton Bsw, Sloane Wolter, Sophia Fox-Dichter, Ellen Frank-Miller

Social Policy Institute Research

There are several types of Employee Financial Wellness Programs (EFWPs), such as workplace financial counseling, workplace credit building, and employer-sponsored small dollar loans. Each program benefits the company and its employees in different ways.

The Social Policy Institute at Washington University in St. Louis, with generous support from the W. K. Kellogg Foundation, studied the implementation of EFWPs at several diverse organizations, including a nonprofit in the Midwest and several supply chain locations of a national retailer, to understand the impact. As a result, we’ve identified five ways in which providers can maximize the benefits of EFWPs and avoid pitfalls …

Using Financial Tips To Guide Debt Repayment: Experimental Evidence From Low-And Moderate-Income Tax Filers, Olga Kondratjeva, Stephen Roll, Sam Bufe, Michal Grinstein-Weiss

Social Policy Institute Research

Much of the literature on household finances tends to focus on discrete or relatively objective measures like savings, debt, economic mobility, and there has been a lack of research on holistic measures of financial well-being. This gap is due in part to the absence of a common understanding of how to define and measure financial well-being; a gap that was recently addressed by the Consumer Financial Protection Bureau’s development of a financial well-being scale. However, the research on this scale is still scarce and little is known about how financial well-being evolves over time. To that end, this paper uses …

Black Pregnancy Matters: Racial Reproductive Bias In African American Maternal Mortality, Juhi Khemani

Master's Projects and Capstones

This semester-long research project uncovers how racial biases demonstrated in the reproductive health field, and specifically before, during, and after childbirth, affect the rate of maternal mortality and morbidity for African American mothers in the United States. The rate of maternal mortality for this specific racial group is four times greater as compared to Caucasian women and this discrepancy will be investigated and analyzed throughout this capstone thesis. Interviews were conducted with key figures in the obstetric and gynecological field as well as with Black mothers themselves in an effort to uncover what factors, aside from medical anomalies, are leading …

Understanding The Failure Of Universal Healthcare Proposals In The U.S. And Paths Forward, Nicholas J. Telesco

Senior Honors Projects, 2020-current

Unlike most developed countries, the U.S. does not have a form of universal healthcare, where the government provides insurance for all citizens, despite attempts dating back to 1915. The Patient Protection and Affordable Care Act (ACA), passed in 2010 by President Obama, was a significant expansion of government power in healthcare policy, yet did not guarantee universal insurance. In recent years, universal healthcare proposals have gained traction as the U.S. healthcare system faces issues of low access, high cost, and mediocre quality. In this thesis, I intended to discover the factors that influenced the passage of past U.S. healthcare reforms …

Improving The Take-Up Of Homecare Services Among Holocaust Survivors In A Jewish Charitable Organization, Olga Kondratjeva, Stephen Roll, Odelya Mantsura, Pini Miretski, Olga Statland-Vaintraub, Hannah Brumbaum, Ariel Tikotsky, Michal Grinstein-Weiss

Social Policy Institute Research

This research brief is part of a series by the Social Impact Nudgeathon initiative. This initiative incorporated insights from behavioral economics into the design and delivery of social welfare programs. Developed through a partnership between the Joint Distribution Committee in Israel (JDC-Israel) and the Social Policy Institute (SPI) at Washington University in St. Louis, this initiative is among the first of its kind to launch in Israel. Working in close collaboration, research teams from the United States and Israel investigated whether using behavioral insights to make small changes in the delivery of social service programs in Israel and Russia would …

Improving Educational And Career Opportunities For Youth With Disabilities In The Future Trend Program, Yifat Klein, Osnat Elnathan, Mayzahav Itiel Barkai, Miriam Palachi, Anat Halevy, Yair Feingold, Ariel Tikotsky, Guy Hochman

Social Policy Institute Research

This research brief is part of a series by the Social Impact Nudgeathon initiative. This initiative incorporated insights from behavioral economics into the design and delivery of social welfare programs. Developed through a partnership between the Joint Distribution Committee in Israel (JDC-Israel) and the Social Policy Institute (SPI) at Washington University in St. Louis, this initiative is among the first of its kind to launch in Israel. Working in close collaboration, research teams from the United States and Israel investigated whether using behavioral insights to make small changes in the delivery of social service programs in Israel and Russia would …

A City On The Front Lines Of An Epidemic: The Opioid Crisis In Las Vegas, Elia Del Carmen Solano-Patricio

Calvert Undergraduate Research Awards

Advanced Undergraduate Winner

While addiction to opioids kills more Americans every year, the purpose of this report is to assess the extent of the problem in the Las Vegas metropolitan area, and to propound ways in which local policy can help. A geospatial analysis of opioid demand nationally, regionally, and locally explains how the epidemic is diffusing, where divides exist in terms of access to treatment, and the differential effects of opioids driving this crisis. By tracking opioid-related prescriptions, hospital admissions, and deaths, the results show that opioid demand in the Las Vegas metro has decreased but remains well above …

The Population Health Outcomes And Information Exchange (Phoenix) Program - A Transformative Approach To Reduce The Burden Of Chronic Disease, Steven J. Korzeniewski, Carla Bezold, Jason T. Carbone, Shooshan Danagoulian, Bethany Foster, Dawn Misra, Maher M. El-Masri, Dongxiao Zhu, Robert Welch, Lauren Meloche, Alex B. Hill, Phillip Levy

Urban Studies and Planning Faculty Research Publications

This concept article introduces a transformative vision to reduce the population burden of chronic disease by focusing on data integration, analytics, implementation and community engagement. Known as PHOENIX (The Population Health OutcomEs aNd Information EXchange), the approach leverages a state level health information exchange and multiple other resources to facilitate the integration of clinical and social determinants of health data with a goal of achieving true population health monitoring and management. After reviewing historical context, we describe how multilevel and multimodal data can be used to facilitate core public health services, before discussing the controversies and challenges that lie ahead.

Preventing School Shootings: The Interprofessional And Community Approach To Prevention, Heather C. Alonge, Constant P. Craig

Journal of Sustainable Social Impact

This essay examined the issue of school shootings within the United States, to include a literature review and analysis of the current status of the issue on a national level. From the review and analysis, the essay provides the multidisciplines engaged in school safety issues with viable, workable, and quickly implementable solutions to address this serious national issue at the local school district and even school level of implementation. This analysis examined a multidiscipline and multiprofessional community approach using existing federal guidelines that address actionable intelligence (social media and human information/informants), school design and incorporation of safety and protective features, …

Hospital Bed Capacity In Nevada Counties, Yanneli Llamas, Caitlin Saladino, William E. Brown

Health

This Fact Sheet shows data on hospital bed capacity within Nevada’s 17 counties, as originally published by High Country News on March 19, 2020. The original data source includes maps and charts compiled by Megan Lawson of Headwater Economics. The data include information from the Department of Homeland Security and the Department of Commerce.

Covid-19: Hospital And Intensive Care Unit (Icu) Bed Capacity In The Mountain West, Ember Smith, Kaylie Pattni, Caitlin Saladino, William E. Brown

Health

Utilizing the Harvard Global Health Institute’s (HGHI) COVID-19 projections, this fact sheet examines the potential hospital and ICU bed shortages in the Mountain West region: Arizona, Colorado, New Mexico, Nevada, and Utah.

Non-Traditional Church Involvement As A Life-Course Turning Point: Qualitative Interviews With Religious Offenders, William Hunter Holt

Dissertations

This research project conducted and then analyzed qualitative interviews from former and current addicts and criminal offenders who are voluntarily participating in the Christian faith at the same non-traditional, Protestant church. An abridged case study of this church is also provided for background and context. Life-course theory and grounded theory are utilized.

Both the offenders and this church were chosen in an attempt to better understand how the offenders’ involvement at this house of worship, along with their faith in general, have impacted them. Obtaining the perspectives of the offender is essential for three reasons. First, qualitative research conducted in …

Reflections On The Effects Of Federalism On Opioid Policy, Matthew B. Lawrence

Dickinson Law Review (2017-Present)

No abstract provided.

State Regulatory Responses To The Prescription Opioid Crisis: Too Much To Bear?, Lars Noah

Dickinson Law Review (2017-Present)

In order to prevent further overuse of prescription opioids, states have adopted a variety of strategies. This article summarizes the growing use of prescription drug monitoring programs, crackdowns on “pill mills,” prohibitions on the use of particularly hazardous opioids, limitations on the duration and dosage of prescribed opioids, excise taxes, physician education and patient disclosure requirements, public awareness campaigns, and drug take-back programs. Although occasionally challenged on constitutional grounds, including claims of federal preemption under the Supremacy Clause, discrimination against out-of-state businesses under the dormant Commerce Clause doctrine, and interference with rights of commercial free speech, this article evaluates the …

Nothing To Show For It: Non-Degreed Debt And The Financial Circumstances Associated With It, Jason Jabbari, Mathieu Despard, Olga Kondratjeva, Brinda Gupta, Michal Grinstein-Weiss

Social Policy Institute Research

The number of individuals with student loan debt who do not earn their degrees is on the rise; nevertheless, there is little research that demonstrates the financial conditions and circumstances of these individuals. We address this knowledge gap by comparing the financial outcomes of student debt-holders who started college but did not earn a degree—those with non-degreed debt (NDD)—with similar individuals who did not attend college and did not take on student debt. We find that individuals with NDD had greater odds of experiencing material and healthcare hardships, as well as financial difficulties. Individuals with NDD also had greater financial …

Household Savings Decisions In Israel’S Child Savings Program: The Role Of Demographic, Financial, And Intrinsic Factors, Ofir Pinto, Olga Kondratjeva, Maya Haran Rosen, Stephen P. Roll, Aytakin Huseynli, Michal Grinstein-Weiss

Social Policy Institute Research

Social Policy Institute Working Paper

Israel’s Child Development Account (CDA) program, the Savings for Every Child Program (SECP), is universal and automatically enrolls all children under the age of 18, depositing approximately $14 into their accounts every month. Parents can transfer an additional monthly $14 into these long-term savings accounts and can choose an investment vehicle for their children’s deposits. The total realized benefits from the SECP depend heavily on parents’ choices. This study examines how demographic, financial, and intrinsic personality characteristics predict household participation in this program. Using a unique data set combining administrative and survey data, we find …

Assessing The Short-Term Stability Of Financial Well-Being In Low- And Moderate-Income Households, Stephen P. Roll, Olga Kondratjeva, Michal Grinstein-Weiss, Stephanie Skees

Social Policy Institute Research

Much of the literature on household finances tends to focus on discrete or relatively objective measures like savings, debt, economic mobility, and there has been a lack of research on holistic measures of financial well-being. This gap is due in part to the absence of a common understanding of how to define and measure financial well-being; a gap that was recently addressed by the Consumer Financial Protection Bureau’s development of a financial well-being scale. However, the research on this scale is still scarce and little is known about how financial well-being evolves over time. To that end, this paper uses …

Opioids In The Las Vegas Metro, Elia Del Carmen Solano-Patricio, Caitlin Saladino, William E. Brown

Health

In 2014, Nevada was one of 7 states selected to participate in a national policy coalition to reduce prescription drug abuse. As a result, the Nevada Department of Health and Human Services (DHHS) and the Southern Nevada Health District (SNHD) created a data dashboard to track opioid prescriptions and opioid-involved overdose incidents. This Fact Sheet synthesizes state-level data from the Nevada Opioid Overdose Surveillance Dashboard and focuses on the Las Vegas Metropolitan Statistical Area (MSA). The data track opioid prescription rates as they correlate to opioid-involved overdose deaths, emergency room visits, and hospitalizations.

Opioids In Nevada, Peter Grema, Caitlin Saladino, William E. Brown

Health

This Fact Sheet presents data from the Washington Post’s Drug Enforcement Administration (DEA) database on opioid shipments in the United States and provides information pertaining to Nevada and each of its 17 regions (16 counties and one independent city). This Fact Sheet compares the Washington Post’s opioid shipment data with opioid prescription rates relative to Nevada’s population in 2010.

Health Care Use And Access Among Rural And Urban Nonelderly Adult Medicare Beneficiaries, Erika C. Ziller Phd, Amanda Burgess Mppm, Deborah Thayer Mba

Access / Insurance

Little is known about the characteristics and health care use of rural residents with disabilities. Using the Medicare Current Beneficiary Survey (2009-2013), we compared access to and use of health services among rural and urban nonelderly Medicare beneficiaries with a disability, and examined their health and functional status along with sociodemographic characteristics. We found that the characteristics of nonelderly Medicare beneficiaries with a disability reflected the differences observed between rural and urban populations overall: rural recipients were more likely than their urban peers to be older, non-Hispanic white, and have a lower level of educational attainment. Although self-reported access to …

Administrative Easing: Rule Reduction And Medicaid Enrollment, Ashley Fox, Wenhui Feng, Edmund Stazyk

Public Administration and Policy Faculty Scholarship

Administrative burden is widely recognized as a barrier to program enrollment, denying legal entitlements to many eligible individuals. We examine what effect voluntary state reductions in administrative burden (what we call administrative easing) have had on Medicaid enrollment rates using differential implementation of the Affordable Care Act. Using a novel dataset that includes state-level data on simplified enrollment and renewal procedures for Medicaid from 2008-2017, we examine how change in Medicaid enrollment is conditioned by the adoption of rule-reduction procedures. We find that reductions in the administrative burden required to signup for Medicaid were associated with increased enrollments. Real-time eligibility …

Life In Hampton Roads Survey Press Release #2: Policy And Local Response Covid-19, Social Science Research Center, Old Dominion University

Life in Hampton Roads Survey Report

Life in Hampton Roads: Politics, Policy and COVID-19 Response

The survey included several questions that provide a window into the views of Hampton Roads citizens concerning policy choices and leadership during the COVID-19 pandemic response. Overall and on most issues the public was quite divided, with divisions often falling along party lines, but President Trump and the Centers for Disease Control and Prevention (CDC) seemed to elicit the strongest negative and positive responses, respectively. A substantial majority approved of Governor Northam’s timing on the initial stay-at-home order, and respondents leaned toward the view that additional restrictions on public activity should …

Evidence-Based Approach To Drug Crisis, Jiebing Wen

Theses and Dissertations--Public Policy and Administration

I am devoted to health policy research, especially tackling the opioid crisis, and evaluating marijuana laws and newly emerging issues associated with legal recreational drugs. Opioid overdose in the United States continues to jeopardize public health. Meanwhile, the majority of states have legalized medical marijuana and one third of them further liberalized recreational marijuana. Marijuana liberalization, although originally independent of the growing opioid crisis, may be a harm reduction approach to the crisis because marijuana may be a substitute for opioids in pain management at a relatively lower risk. However, marijuana liberalization may also lead to marijuana-related harms, such as …

From The Legal Literature: The Threat And Promise Of Police Use Of Dna Databases, Francesca Laguardia

Department of Justice Studies Faculty Scholarship and Creative Works

No abstract provided.

From The Legal Literature: If The Fetus Is A Person—Is It Relevant? An Argument On The Rights Of Pregnant Women, Francesca Laguardia

Department of Justice Studies Faculty Scholarship and Creative Works

No abstract provided.

How Do The Lives Of Participants In A Housing Mobility Program Change After They Move? A Case Study Of The Mobility Connection Program, Jenna Hampton Bsw, Stephen J. Roll Phd, Michal Grinstein-Weiss Phd

Social Policy Institute Research

SPI Research Brief No. 20-01. This brief outlines the results of an assessment of Mobility Connection, a housing mobility program in St. Louis, Missouri. Mobility Connection is administered through Ascend STL and this assessment was conducted in partnership with the Social Policy Institute at Washington University in St. Louis. Our research focused on answering the following questions: How do Mobility Connection participants report their lives changing since moving to a High Opportunity Area? How do participants feel about the quality of the Mobility Connection program? To answer these questions, researchers administered a novel survey to 20 Mobility Connection participants who …