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.

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 …

Massachusetts' Latino Population: 2020-2040, Phillip Granberry

Gastón Institute Publications

Latinos have been a vital component of Massachusetts’ population growth since 1990. Their younger age structure has helped to offset the older age structure of the much larger non-Latino White population. As Latinos’ population crosses the 1 million threshold by 2030, their growth (even as it slows) will be faster than the commonwealth’s overall population change.

Limitations Due To Occupational Credentialing For Immigrants In Massachusetts: Survey Report, Phillip Granberry, Florita Coto Tristán, Fabián Torres-Ardila, Jonathan Vega-Martinez, Maria M. Pache De Athayde

Gastón Institute Publications

The Gastón Institute began investigating occupational credentialing because of a previous research project with English for New Bostonians, which had found that many people in its ESOL (English for Speakers of Other Languages) classes complained that lack of an occupational credential had caused them to suffer unemployment or underemployment. The Latino Equity Fund at the Boston Foundation provided the funding for a study addressing the problem of determining the extent to which Massachusetts immigrants are having trouble in the labor market because they lack the proper occupational credentials. The study has two complementary components: a qualitative study with interviews of …

Empowering Dreams: The Massachusetts Tuition Equity Law And Its Impact On Undocumented Latine Students, Belén Zúñiga, Melissa Colón

Gastón Institute Publications

As a result of the Tuition Equity Law enacted in September 2023, Massachusetts is one of 25 states1 that have encouraged access to higher education for non-citizens, including undocumented students2 (Broder and Kmec, 2024). Under the Tuition Equity Law, undocumented students, who: attended a high school (9th-12th grade)3 in Massachusetts with any combination of three years, graduated from a Massachusetts high school or have a Massachusetts high school diploma equivalent (GED/HiSet), and are admitted to a public institution of higher education in Massachusetts, can attend at in-state tuition rates (Massachusetts Department of Higher Education, 2023). They are also eligible to …

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 …

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 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 …

Envisioning A Watertown For All Ages, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

Watertown for All Ages is a group of residents working to improve the livability of Watertown for residents of all ages and abilities. They work closely with the Watertown Council on Aging/Senior Center. The Watertown Council on Aging/Senior Center provides a variety of social, health, educational, recreational, advocacy, and support programs designed to help Watertown’s older adults age well in the community. Services provided to seniors living in the community range from transportation support to nutrition services and social services, along with a range of programs and activities meant to enhance well-being and quality of life. Similar to many Councils …

Age & Dementia Friendly Cape Ann: A Regional Needs Assessment, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

This report describes research undertaken by the Center for Social & Demographic Research on Aging within the Gerontology Institute at the University of Massachusetts Boston, on behalf of SeniorCare, Inc. (hereafter referred to as SeniorCare), to learn about the age- and dementia-friendliness of the region of Cape Ann, including the Massachusetts municipalities of Essex, Gloucester, Manchester-by-the-Sea, and Rockport. The contents of this report are intended to inform SeniorCare for the purposes of planning and implementing the Age & Dementia Friendly Cape Ann (ADFCA) Initiative. The ADFCA Initiative builds on ten Areas of Focus, which are essential components of a livable …

2016 Elder Economic Security Standard Index™ For Boston, Yang Li, Ping Xu, Jan Mutchler, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Elder Economic Security Standard^TM Index (Elder Index) is a measure of the cost of living for older adults age 65 or older living independently in today's economy. The Elder Index defines economic security as the income level at which elders are able to cover basic and necessary living expenses and age in their homes, without relying on benefit programs, loans or gifts. The Elder Index defines an “economic security gap” as having incomes between the Federal Poverty Line and the Elder Index. Older adults living “in the gap” have incomes too high to qualify for many means-tested public …

Combining Earnings With Public Supports: Cliff Effects In Massachusetts, Randy Albelda, Michael Carr

Economics Faculty Publication Series

Safety-net benefits decrease as recipients’ income increases, but the result can be an overall drop in resources—sometimes so sharp that it feels like falling off a cliff.

Cairing4carlisle: A Community Health Needs Assessment, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

Caring4Carlisle (C4C) is a community initiative aimed at addressing the social, emotional, spiritual and physical health of Carlisle residents. Community Health Network Areas (CHNAs) were created by the Massachusetts Department of Public Health in 1992. There are 27 CHNAs in the Commonwealth, and Carlisle belongs to CHNA 15. In July of 2016, Carlisle was awarded a planning grant ($20,000) from CHNA 15 to engage in a community needs assessment process with the intention of identifying priority community health needs to be addressed in Carlisle.

The Carlisle Board of Health served as the lead Town Department with the Gleason Public Library, …

Envisioning An Age-Friendly Belmont, Jan Mutchler, Ceara Somerville

Center for Social and Demographic Research on Aging Publications

The Belmont Council on Aging is a municipal office charged with “advocating on behalf of the seniors of Belmont and ensuring that their social, financial and healthcare needs are met." Services provided to seniors living in the community range from transportation support to nutrition services and social services, along with a range of programs and activities meant to enhance well-being and quality of life. Similar to many Councils on Aging, the Belmont COA also provides leadership in the community, as the community as a whole addresses the growing number and changing needs of senior residents.

As a means of learning …

Age-Friendly Yarmouth Needs Assessment Report, Jan Mutchler, Ceara Somerville, Maryam Khaniyan, Molly Evans, Mai See Yang, Lindsey A. Baker, Hayley Gleason

Center for Social and Demographic Research on Aging Publications

Communities throughout the nation are pursuing new strategies to promote health and quality of life among their residents. In 2014, the Town of Yarmouth joined the Age-Friendly Network through the World Health Organization and embarked on a five-year process to evaluate the community’s age-friendly features, plan for improvements, and implement change. The primary purpose of this report is to describe findings developed as part of the initial needs assessment phase of Yarmouth’s age-friendly initiative.

Aging In Scituate: An Assessment Of Services And Programs For Our Community, Jan Mutchler, Hayley Gleason, Ceara Somerville, Maryam Khaniyan, Bernard A. Steinman

Center for Social and Demographic Research on Aging Publications

This report describes collaborative efforts undertaken by the Town of Scituate and its Council on Aging (COA), and the Center for Social and Demographic Research on Aging within the Gerontology Institute at the University of Massachusetts Boston. Beginning in Summer 2014, these organizations partnered to conduct a needs assessment study to investigate the needs, interests, preferences, and opinions of the Town’s older resident population, with respect to living and aging in Scituate. The focus of this report is on two cohorts of Scituate residents—those aged 45 to 59 (referred to as “Boomers”), and the cohort of individuals who are currently …

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 …

Aging In Place In Marion: A Community Endeavor, Bernard A. Steinman, Hayley Gleason, Maryam Khaniyan, Ceara Somerville, Jan Mutchler

Gerontology Institute Publications

This report describes collaborative efforts undertaken by the Friends of the Marion Council on Aging (FMCOA) and the Center for Social and Demographic Research on Aging, within the McCormack Graduate School at the University of Massachusetts Boston (UMass Boston). Beginning in Fall 2014, these organizations partnered to conduct a study to investigate the needs, interests, preferences, and opinions of the Town’s older resident population, and the priorities of other stakeholders in the Town, with respect to living and aging in Marion.

In the earliest phase of the project, we met several times with members of the FMCOA to discuss and …

Aging In West County Communities: Coming Together To Age In Place, Bernard A. Steinman, Hayley Gleason, Ceara Somerville, Maryam Khaniyan, Jan Mutchler

Gerontology Institute Publications

This report describes collaborative efforts undertaken by the Towns of Ashfield, Buckland, and Shelburne Consortium of Councils on Aging (hereafter, The Consortium) and the Center for Social and Demographic Research on Aging, within the McCormack Graduate School at the University of Massachusetts Boston (hereafter, UMass Boston). Beginning in Fall 2014, these organizations partnered to conduct a study to investigate the needs, interests, preferences, and opinions of older residents in communities in West Franklin County (hereafter, West County), and priorities of stakeholders who interact with older adults in various capacities.

Early in the project, researchers from UMass Boston communicated with stakeholders …

Living And Aging In Newton: Now And In The Future, Bernard A. Steinman, Hayley Gleason, Ceara Somerville, Jan E. Mutchler, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston, Gerontology Institute, University Of Massachusetts Boston

Gerontology Institute Publications

This report describes collaborative efforts undertaken by the City of Newton Department of Senior Services, the Newton Council on Aging, The Senior Citizens Fund of Newton, Inc., and the Center for Social and Demographic Research on Aging, within the McCormack Graduate School at the University of Massachusetts Boston. Beginning in Fall 2013, these organizations partnered to conduct a needs assessment study to investigate the needs, interests, preferences, and opinions of the City’s older resident population, with respect to living and aging in Newton. The focus of this report is on two cohorts of Newton residents—those aged 50 to 59 (referred …

Resilient Communities/Resilient Families, Center For Social Policy, University Of Massachusetts Boston

Office of Community Partnerships Posters

The Center for Social Policy (CSP) serves as a strategic learning and evaluation partner to The Boston Foundation (TBF). TBF’s investment and people and place-based initiatives seek to make sustainable, positive change through community and economic development in neighborhoods along the Fairmount-Indigo transit line in Boston. As part of the Resilient Communities/Resilient Families (RC/RF), CSP with Mattapan United and Millennium 10 (in Codman Square/Four Corners) to identify community priorities for neighborhood change. From 2013-2015, the Center team is evaluating these neighborhood change efforts, as well as other initiatives aimed at increasing economic well-being for neighborhood residents.

The Campus Kitchen At Umass Boston Student-Powered Hunger Relief In Boston, Office Of Student Leadership And Community Engagement, University Of Massachusetts Boston, Walter Denney Youth Center, Housing Opportunities Unlimited, St. Peter's Teen Center, John Winthrop Elementary, Project Alerta, University Of Massachusetts Boston, Camp Shriver, University Of Massachusetts Boston, Massachusetts Law Reform Institute, Inc., Sodexo

Office of Community Partnerships Posters

The Campus Kitchen at the University of Massachusetts Boston (CKUMB) is a part of The Campus Kitchens Project. (CKP), a national network of student volunteers, works to rescue excess food to create meals for those in need. CKUMB opened in 2010 to provide meals for the Dorchester community. By taking the initiative to run a community kitchen, students develop entrepreneurial and leadership skills, along with a commitment to serve their community, that they will carry with them into future careers.

Healthy Eating And Savvy Saving: An Evaluation Of Action For Boston Community Development’S Food Dollars Program For Low-Income Elders, Ann Bookman, Susan M. Phillips

Gerontology Institute Publications

This report is an evaluation of an innovative community-based intervention – the Food Dollars Program. Funded by the AARP Foundation, this program was designed and delivered by Action for Boston Community Development (ABCD) and their Elder Services staff in order to promote healthy eating and reduce food and economic insecurity among low-income elders in Boston. The impetus for creating this program arose from the challenges many low-income individuals face in purchasing and consuming healthy foods from the five food groups as recommended by the US Department of Agriculture (USDA) in their ChooseMyPlate model of healthy eating. The Food Dollars curriculum …

Measurement, Monitoring, And Evaluation Of State Demonstrations To Integrate Care For Dual Eligible Individuals: Massachusetts Evaluation Design Plan., Julie T. Fralich Mba, Maureen Booth Mrp, Ma, Edith G. Walsh Phd, Angela M. Greene Ms, Mba, Melissa Morley Phd, Wayne Anderson Phd

Disability & Aging

CMS contracted with RTI International to monitor the implementation of all State demonstrations under the Financial Alignment Initiative, and to evaluate their impact on beneficiary experience, quality, utilization, and cost. The evaluation includes an aggregate evaluation and State-specific evaluations. This report describes the State-specific Evaluation Plan for the Massachusetts demonstration as of December 16, 2013. The evaluation activities may be revised if modifications are made to either the Massachusetts demonstration or to the activities described in the Aggregate Evaluation Plan (Walsh et al., 2013). Although this document will not be revised to address all changes that may occur, the annual …

Evaluation Of The Family-To-Family Homelessness Prevention Project: Final Report (January 1, 2011-October 31, 2013), Terry S. Lane, Mary Coonan, Arthur Macewan, Risa Takenaka

Center for Social Policy Publications

This report describes implementation of the Homelessness Prevention Project of the Family-to-Family Program in Boston over nearly three years: January 1, 2011 and October 31, 2013. The project intended to help families to avoid imminent loss of their housing units. It selected participants that had good prospects for long-term housing and income stability. Project staff thought that modest financial assistance plus case management would enable these families to regain and perhaps even improve their personal and economic circumstances. The Oak Foundation provided major financial support for the project.

The report describes the administration of the project, and then examines the …

Review Of Proposed Plan For New Police And Fire Facilities, Carver, Ma, Edward J. Collins, Jr. Center For Public Management, University Of Massachusetts Boston

Edward J. Collins Center for Public Management Publications

The Edward J. Collins, Jr. Center for Public Management at the University of Massachusetts Boston was hired by the Town of Carver to perform an independent assessment of the Buildings Study Committee’s proposals for the construction/renovation of three new public facilities including a fire station, police station, and elementary school. Specifically, the team from the Center was asked to review: 1) the selected and considered sites for the facilities; and, 2) the funding plan recommended by the Buildings Study Committee.

This analysis has been divided into two components. This, first report presents the Center’s findings as they relate to the …

Transracial Foster Care And Adoption: Issues And Realities, Fern L. Johnson, Stacie Mickelson, Mariana Lopez Davila

New England Journal of Public Policy

The article places transracial foster care and adoption into a broader perspective that highlights social and cultural factors and the reasons for controversy about this adoption option. The first section describes the demographics of children in the foster care system. This is followed by an overview of requirements for approval as foster and adoptive parents in Massachusetts and information about the laws governing transracial adoption. The controversy over transracial adoption is laid out by explaining the race-blind and race-matching positions. Policy priorities are outlined that take into account the main points of controversy. The final section focuses on growth in …

Food Insecurity Among Children In Massachusetts, Stephanie Ettinger De Cuba, Deborah A. Frank, Maya Pilgrim, Maria Buitrago, Anna Voremberg, Harris Rollinger, Denise A. Hines

New England Journal of Public Policy

This article focuses on the prevalence among Massachusetts children and families of food insecurity, inadequate access to enough nutritious food for an active and healthy life. It summarizes research findings on the association of food insecurity with less optimal children’s health and development from the prenatal period through adolescence. Food insecurity also correlates with other material hardships, such as housing and energy insecurity. Data show families’ participation in public nutrition and other assistance program is associated with decreased prevalence of food insecurity and with mitigation of its impact on children’s health and well-being. The article concludes with recommendations for policy …