Social Welfare Commons^™

How Far Does Social Security Go? Comparing Benefits To Elder Index 2025: Infographic, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

Social Security remains the foundation of retirement income, but for millions of older adults it does not fully cover the cost of basic necessities such as housing, health care, food, and transportation.

The Elder Economic Security Standard™ Index: Methodology Overview, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston, Jan Mutchler, Nidya Velasco Roldan, Michelle Ward, Ceara Somerville, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

The Elder Index illustrates how living costs vary geographically (specifically, by county, metropolitan area, and state), and based on the characteristics of households. Costs are calculated based on household size (one person age 65 or older, two persons age 65 or older), housing tenure (owner with no mortgage, renter, owner with a mortgage), and health status (excellent, good, poor). The expenses included in the Elder Index cover basic needs of older households, including shelter, medical care, food, and transportation; the costs reflect average market costs and do not take into account any needs-based subsidies. The Elder Index helps answer important …

Living Between The Lines: Economic Insecurity And Older Americans: Insecurity In The Massachusetts, 2025, Caitlin E. Coyle, Michelle Ward, Nidya Velasco Roldan, Ceara Somerville, Jan Mutchler

Center for Social and Demographic Research on Aging Publications

New estimates from the 2025 Elder Index^TM demonstrate 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 …

Assessing Community Needs: Human Services For Adults In Millis And Medway, Caitlin E. Coyle, Michelle Ward, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report presents the results of a comprehensive evaluation of issues relating to aging in Millis and Medway. A needs assessment was undertaken in order to support planning on the part of the Towns of Millis and Medway, the Councils on Aging (COAs), and the communities as a whole. Results presented here focus on the characteristics and needs of Millis and Medway residents who are age 60 and older. While the primary goal of this report is to support COA planning, a secondary goal is to present information that will be useful to other Millis and Medway offices and organizations …

Wellesley Council On Aging: Planning For The Future, Caitlin E. Coyle, Beth Rouleau

Center for Social and Demographic Research on Aging Publications

Taking a community-engaged approach, this assessment sought to capture the voices, experiences, and aspirations of older adults living in our community. It is designed to support the COA in fulfilling its mission: acting as the community resource for older adults, their families, and caregivers; advocating for their interests; and offering social, educational, physical activity, transportation, and nutrition programs that promote health, independence, and meaningful engagement.

Specifically, this needs assessment aimed to: 1. Describe the demographic and social trends shaping Wellesley’s older adult population. 2. Identify older residents’ priorities, challenges, and unmet needs—spanning health and wellness, housing and mobility, social connection, …

Belmont Council On Aging: Planning For The Future, Caitlin E. Coyle, Nancy Mazonson, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report presents the results of a comprehensive needs assessment of Belmont’s older adult population. The study was conducted to support planning by the Belmont Council on Aging and Beech Street Senior Center, and it also provides valuable information for other town departments, community organizations, and residents. Specifically, this report aims to: *Describe Belmont’s current older adult population and their needs. *Assess the services and resources currently available. *Identify gaps and opportunities for improvement. *Provide recommendations to ensure Belmont remains a supportive, age-friendly community for years to come.

As the number of older residents grows, so too will the need …

Age & Dementia Friendly Bellingham: Assessment Of Community Needs And Ideas For Action, Caitlin E. Coyle, Katherine Burnes, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

In 2022 a steering committee of three Bellingham residents involved in the COA/Senior Center served as a catalyst in helping Bellingham attain the designation of Age and Dementia Friendly. A Task Force including an impressive mix of individuals from town government, schools, local organizations and older residents was formed to help Bellingham set and implement annual goals of activities designed to make Bellingham a good place to grow older for all residents.

This report describes research undertaken by the Center for Social and Demographic Research on Aging within the Gerontology Institute at the University of Massachusetts Boston on behalf of …

Aging In Harwich: A Community Needs Assessment, Claire E. Wickersham, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

At a time of such significant population aging, the Harwich Council on Aging commissioned a community-wide needs assessment with support from the Friends of the Harwich Council on Aging. The specific goal of this report is to support the strategic planning of the Harwich Council on Aging. An additional goal is to present information useful to other Harwich departments and organizations interacting with older residents planning for the future of Harwich. This report presents the results of a comprehensive examination of issues relating to aging in Harwich. Results presented here focus on the characteristics and needs of Harwich residents aged …

Living In Essex: A Community Needs Assessment, Sue Berger, Ceara Somerville, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the Town of Essex. The goals of this project were to investigate the needs, interests, preferences, and opinions of Essex residents age 18 or older by engaging the community regarding their experiences and needs relevant to the Council on Aging’s (COA’s) objective to identify and serve the needs of all Essex citizens 60 and older.

Aging In Somerville: A Community Needs Assessment, Ceara Somerville, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the City of Somerville. The goals of this project were to investigate the needs, interests, preferences, and opinions of Somerville residents age 60 or older by engaging the community regarding their experiences and needs relevant to the Council on Aging’s (COA’s) objective to identify and serve the needs of all Somerville citizens 60 and older.

Enhancing Transportation Options For Older Adults: Served By Councils On Aging With Support From The Montachusett Area Regional Transit Authority (Mart): A Program Validation Study, Caitlin E. Coyle, Nina M. Silverstein, Taylor Jansen, Shayna Gleason

Center for Social and Demographic Research on Aging Publications

This study follows a 2022 evaluation report UMass Boston researchers conducted for MART of a pilot program whose measurable aims were to demonstrate (pre/post) an increase in ridership, destinations, trips provided, and shared rides coordinated across the participating COAs. The pilot with four participating COAs was ambitious and while the results indicated some early successes (rider satisfaction), more areas for improvement were noted (software and transition to the use of digital technology). (Silverstein et. al., 2022) Since then, MART has adopted a new software program and collaboration with My Senior Center, a senior 4 center management and reporting system. MART …

Assessing The Need For Supportive Day Programming In Andover, Adriana Hernandez, Setarreh Massihzadegan, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

Supportive and social day programs (SSDPs) provide opportunities for socialization and engagement in physical activity, cognitive exercises and emotional support in small group settings, These programs are beneficial for older adults who may experience physical or cognitive heath changes that make it difficult to participate independently. As well, those who do not drive or who are socially isolated may also benefit from participation in an SSDP. These programs also help families who may need breaks from caregiving tasks and to connect families to vital resources and support networks. An SSDP is designed to promote and enhance the social, physical, and …

Up-Island Council On Aging: Planning For The Future, Ceara Somerville, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the Up-Island Council on Aging (UICOA). The goals of this project were to investigate the needs, interests, preferences, and opinions of Aquinnah, Chilmark, and West Tisbury residents age 50 or older by engaging the community regarding their experiences and needs relevant to the Council on Aging’s (UICOA’s) objective to identify and serve the needs of older residents of Up-island.

Aging In Uxbridge: A Community Needs Assessment, Caitlin E. Coyle, Katherine Burnes, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the Town of Uxbridge. The goals of this project were to investigate the interests, preferences, and opinions of Uxbridge’s residents aged 55 or older by engaging the community regarding their experiences and needs relevant to the Council on Aging’s (COA’s) and Senior Center objective to identify and serve the needs of all Uxbridge citizens 55 and older. The contents of this report are meant to inform the Town of Uxbridge, the …

Livable Marshfield: Age And Dementia Friendly Action Plan: Improving Livability For All Ages And Abilities, Caitlin E. Coyle, Beth Rouleau, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

The Town of Marshfield’s Age and Dementia Friendly action plan signifies a milestone and reflects many years of dedication to creating environments within Marshfield that are supportive of residents of all ages and abilities. Guided by the Council on Aging (COA), the Town of Marshfield is dedicated to understanding and responding to the needs and interests of older adults in the community. Over the years, the share of residents over age 60 has steadily grown. According to 2019-2023 estimates from the American Community Survey, an estimated 28% of Marshfield residents are age 60 or older (approximately 7,200 residents). Projections suggest …

Planning For The Future Of The Easthampton Council On Aging, Caitlin E. Coyle, Sue Berger

Center for Social and Demographic Research on Aging Publications

This report describes an assessment undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the ad hoc Senior Center Building Committee. The goals of this project were to document the features of other communities building processes, engage residents in preliminary conversation about their needs and preferences as they consider aging in Easthampton. Results of that work are described in this report and recommendations to the ad hoc building committee are provided. These recommendations are meant to provide an objective description of this preliminary community …

Aging In Newton: A Community Needs Assessment, Claire Wickersham, Katherine Burnes, Shu Xu, Caitlin E. Coyle

Center for Social and Demographic Research on Aging Publications

This report presents the results of a comprehensive examination of issues relating to aging in Newton. A needs assessment was undertaken to support planning on the part of the City of Newton and the Department of Older Adult Services. Results presented here focus on the characteristics and needs of Newton residents who are aged 60 and older. Data was collected via key informant interviews, focus groups with residents and stakeholders and a mailed survey of residents aged 60 and older. Respondents to the community survey included 2,869 Newton residents, which resulted in a response rate of more than 50%. As …

Aging In The City Of Melrose: A Community Needs Assessment, Caitlin E. Coyle, Katherine Burnes, Mark Krebs, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the City of Melrose. The goals of this project were to investigate the interests, preferences, and opinions of Melrose’s residents aged 55 or older by engaging the community regarding their experiences and needs relevant to the Council on Aging’s (COA’s) objective to identify and serve the needs of all Melrose citizens 55 and older. The contents of this report are meant to inform the City of Melrose, the Melrose COA, Milano …

Aging In North Andover: A Community Needs Assessment, Claire Wickersham, Caitlin E. Coyle, Ceara Somerville, Holly Stockdale

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the Town of North Andover. The goal of this project was to identify, describe, and prioritize the needs and preferences of North Andover residents age 60 and older as they relate to aging well in the community. In 2023, North Andover opened a new Senior Community Center. The contents of this report are intended to be used for planning for the new Senior Community Center space and to inform strategic planning …

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 …

Aging In Brockton: A Community Needs Assessment, Caitlin E. Coyle, Setarreh Massihzadegan, Josef Kijewski, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging (CSDRA) within the Gerontology Institute at the University of Massachusetts Boston, on behalf of the City of Brockton. The goals of this project were to investigate the needs, interests, preferences, and opinions of Brockton’s residents age 60 or older by engaging the community regarding their experiences and needs relevant to the COA’s objective to identify and serve the needs of all Brockton citizens 60 and older. The contents of this report are meant to inform the City of Brockton, the Brockton COA, Senior Center, and …

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 …

Social Security Benefits Continue To Fall Short Of Covering Cost Of Basic Needs For Older Americans, 2021, Jan Mutchler, Nidya Velasco Roldán

Center for Social and Demographic Research on Aging Publications

Social Security benefits fall short of what is required to cover the 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 adults need to secure an independent lifestyle. Nationally, the average Social Security benefit covers just 68% of basic living expenses of housing, food, transportation, and health care for a single renter in 2021, and 81% for an older couple. The gap between Social Security benefits and what it takes to get by is especially problematic for older adults who rely largely or entirely on …

Late-Life Gender Disparities In Economic Security In The Context Of Geography, Race And Ethnicity, And Age: Evidence From The 2020 Elder Index, Jan Mutchler, Nidya Velasco Roldán, Yang Li

Center for Social and Demographic Research on Aging Publications

New estimates from the 2020 Elder Index illustrate the elevated risk of economic insecurity experienced by older women, especially those living alone. We compare annual household incomes to the Elder Index for adults aged 65 years or older living in one- and two-person households to calculate the percentage of older adults with annual incomes that do not support economic security. National averages suggest that 54% of older women living alone, along with 45% of older men living alone, have annual incomes below the Elder Index. In addition, 24% of older adults living in couple households have annual incomes below the …

It's The Little Things: A Community Resource For Strengthening Social Connections, Caitlin Coyle, Shayna Gleason, Cindy Bui

Center for Social and Demographic Research on Aging Publications

Now, more than ever, it is imperative that we prioritize connection for ourselves and the people around us. The global COVID-19 pandemic and the national reckoning with systemic racism has made people more aware and appreciative of their relationships and has made some painfully aware of how distant and disconnected they are. While the evidence is clear that social isolation is bad for health and well-being, the evidence base of solutions is far less so. Thus, this report sought to harness the energy, creativity, and progressive thinking of cities and towns in Massachusetts by documenting their efforts to keep people …

An Assessment Of Veteran’S Services In The Town Of Natick, Ma, Caitlin Coyle, Thomas Kane

Center for Social and Demographic Research on Aging Publications

UMass Boston’s Center for Social and Demographic Research on Aging, and the William Joiner Institute for the Study of War and Social Consequences agreed to assist the Council on Aging and the Veterans Service Office for the Town of Natick to assess the current situation, services, and current and future needs of veterans and their families. This study includes identifying the priority veteran service needs and addressing the challenges to find effective ways to reach more Natick veterans of different eras and sociodemographic backgrounds so they can access needed and desired services, programs, and activities.

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 …

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 …

Livable Dedham: An Age-Friendly Action Plan, Livable Dedham Steering Committee, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Town of Dedham was first settled in 1635 and became the county seat of Norfolk County in 1793. Dedham is situated southwest of Boston and the Town shares a border with Needham, Westwood, and Canton. Dedham encompasses over 10 square miles and has a population of over 25,000 residents, about one-quarter of which are age 60 and older1 (American Community Survey, 2016).

Despite Dedham’s urban location, the Town is rich with natural resources, including several state parks, hiking trails, and the Mother Brook. Although today the Mother Brook is known to residents for the variety of outdoor recreational activities …