Demography, Population, and Ecology 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.

Economic Security & Older Adults In The United States: Infographic, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Elder Index measures the income older adults need to meet their daily living costs while staying in their own homes. This fact sheet presents overview data of economic security of Older Adults in the United States based on the 2025 Elder Index data.

Economic Security & Older Adults In Massachusetts: Infographic, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Elder Index measures the income older adults need to meet their daily living costs while staying in their own homes. This fact sheet presents overview data of economic security of Older Adults in Massachusetts based on the 2025 Elder Index data.

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 …

2025 Elder Indextm For Boston: Fact Sheet, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Elder Index^_TM measures of the cost of living independently for older adults aged 65 or older. The Elder Index allows us to identify older people with incomes “in the gap” between the Federal Poverty Guideline (FPL) and what it takes to live with security. Older adults living “in the gap” have incomes too high to qualify for many means-tested public benefits programs, yet too low to achieve intermediate- or long-term economic stability. This fact sheet presents 2025 Elder Index for older adults living in Boston, Massachusetts.

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 …

Living Below The Line: Racial And Ethnic Disparities In Economic Security Among Older Americans, 2022, Jan Mutchler, Yan-Jhu Su, Nidya Velasco Roldán

Center for Social and Demographic Research on Aging Publications

New estimates based on the 2022 Elder IndexTM show that the risk of economic insecurity in later life is especially high for people of color. Comparing household incomes to the Elder Index, we calculate the percentage of independent older adults with incomes that fall short of what is required to support economic security. National averages suggest that among older people living alone, 43% who are White, 59% of those who are Asian, 61% of those who are Black, and 67% of those who are Latino have annual incomes below the Elder Index. The risk of economic insecurity is lower among …

Senior Center Response To Covid-19: Technology, Ceara Somerville, Saralyn Collins, Caitlin Coyle, Jan Mutchler, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The COVID-19 pandemic has made the use of technology critical to remain socially connected with others while remaining physically distance. Senior centers in Massachusetts have had to think outside of the box and adapt their programs and services to be provided remotely, by phone, email, social media, and video calls. Moreover, senior centers have become responsible for helping older adults overcome their hesitations with using technology to keep them engaged and connected while physical gathering spaces have been closed.

Senior Center Response To Covid-19: Nutrition, Ceara Somerville, Saralyn Collins, Caitlin Coyle, Jan Mutchler, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

Older adults across the U.S. are at risk of malnutrition, which can have lasting effects on health. Councils on Aging (COAs) are at the forefront of meeting the nutritional needs of older adults in their communities. The COVID-19 pandemic has not only limited older adults’ access to food, but it has also affected COAs’ abilities to get nutritious food out to seniors. Despite the hurdles presented by the global pandemic, Massachusetts COAs have continued their efforts to meet the nutritional needs of older adults.

Senior Center Response To Covid-19: Social Engagement And Outreach, Ceara Somerville, Saralyn Collins, Caitlin Coyle, Jan Mutchler, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

Social isolation can have devastating effects on an individual’s mental and physical wellbeing. The COVID-19 outbreak has put older adults at greater risk of isolation and has pushed efforts to address isolation to the forefront of public health in Massachusetts. Senior centers have been working to end isolation in their communities long before COVID-19 and have continued that work in the face of a global pandemic. This fact sheet describes what Massachusetts senior centers are doing during the pandemic to address isolation among older community members.

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 …

The Elder Index At Work: How A Data Resource Is Making A Difference In Service And Advocacy For Older Adults, Center For Social And Demographic Research On Aging, University Of Massachusetts Boston

Center for Social and Demographic Research on Aging Publications

The Elder Index is being put to work across the country. This compilation of articles describes some of this work. Successful campaigns to save important property tax relief programs in New Jersey and greatly expand Medicare Savings Programs access in Massachusetts, both rely on the Elder IndexTM to provide critical context and factual support. An area agency on aging in San Antonio uses the Elder Index to show how the rural cost of living for older adults in the vast ranching and farming counties surrounding the city isn’t the bargain some think. A legal advocacy organization in Washington State employs …

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

Center for Social and Demographic Research on Aging Publications

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

Promising Little Things To Strengthen Social Connections, Caitlin Coyle, Setarreh Massihzadegan

Center for Social and Demographic Research on Aging Publications

Unlike “best practices”, promising practices only require the successful implementation of a program or activity and some level of information that suggests a positive outcome for participants. One key advantage of using promising practices is that they can be adapted and there is flexibility in implementation styles and environments. As well, starting with a promising practice can help solve community problems, and save the trouble of reinventing the wheel. If someone has already found an effective way to resolve an issue or advance the cause, it makes sense to use it. The intention of this document is to alert those …

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

Center for Social and Demographic Research on Aging Publications

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

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

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 …

Living Below The Line: Racial And Ethnic Disparities In Economic Security Among Older Americans, 2020, Jan Mutchler, Nidya Velasco Roldán, Yang Li

Center for Social and Demographic Research on Aging Publications

New estimates from the 2019 Elder Index^TM highlight the risk of economic insecurity experienced by older adults, a risk that is especially high for persons of color. The Gerontology Institute compares the 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. National averages suggest that among people living alone, 48% of older people who …

Aging In The City Of Attleboro: A Community Needs Assessment, Caitlin Coyle, Mary Krebs

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 the Attleboro Council on Aging. The goals of this project were to investigate the needs, interests, preferences, and opinions of Attleboro’s residents age 60 or older. The contents of this report are meant to inform the City of Attleboro, the Attleboro Council on Aging and Senior Center, and organizations that work with and on behalf of older residents of Attleboro for the purposes of planning and coordination of services. The report will …

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 …

Lexington For All Ages: A Community Needs Assessment, Sue Berger, Jan Mutchler, Nidya Velasco Roldán, Ceara Somerville, Rebecca Mailman, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

The Lexington for All Ages initiative is meant to ensure that Lexington is and remains a place where older adults can comfortably and safely age in place. 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 the Lexington Department of Human Services, to investigate the needs, interests, preferences, and opinions of Lexington’s residents age 50 and older. Structured around livability principles embedded in the World Health Organization’s Age-Friendly Community framework, the Lexington for All Ages initiative considers physical infrastructure as well …

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 …

Swampscott For All Ages: A Community Needs Assessment, Caitlin Coyle, Jan Mutchler, Nidya Velasco, Sue Berger, Rebecca Mailman

Center for Social and Demographic Research on Aging Publications

By the year 2030, 35% of Swampscott residents will be age 60 and older. In response to this demographic shift as well as in response to the desire of most residents to remain living in their community, the resident leaders of Swampscott, with support of the Town, have embarked on the journey to become a more age friendly community. They call themselves the Swampscott for All Ages Committee. The Swampscott for All Ages initiative is meant to ensure that Swampscott is and remains a place where older adults can comfortably and safely age in place. It is a resident-led committee …

Aging In The Town Of Weston: A Community Needs Assessment, Sue Berger, Caitlin Coyle, Jan Mutchler, Nidya Velasco

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 the Weston Council on Aging, to investigate the needs, interests, preferences, and opinions of Weston’s population of residents who are age 55 and older. The contents of this report are meant to inform the Weston Council on Aging, and organizations that work with and on behalf of older residents of Weston, for the purposes of planning and coordination of services, but also to build awareness about issues facing the Town of Weston. …

Wenham Connects: An Age And Dementia Friendly Needs Assessment, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

Wenham is a small residential community of approximately 5,000 residents located about 22 miles north of Boston. Public transit access to downtown Boston located in the neighboring town of Hamilton provides access to employment and recreational activities outside of the town’s boundaries. In addition, Wenham is home to abundant green space (e.g., wetland systems and Wenham Lake) that provide residents with opportunities to enjoy the natural beauty of the area. The Wenham Council on Aging (COA)is a municipal department designed to serve the needs of Wenham’s residents age 60 and older. It is responsible for advocating on behalf of Wenham’s …

Older Workers In Boston: An Age-Friendly Perspective, Jan Mutchler, Brittany Gaines, Ping Xu, Caitlin Coyle

Center for Social and Demographic Research on Aging Publications

As this report makes clear, work challenges experienced by older people are not uncommon in Boston. Retraining and upgrading skills are required for some people to retain or secure employment. For those who have not participated in job search for some time, support with job seeking strategies may be necessary. Programs that also offer socioemotional support are helpful to some older job-seekers. Yet while training and job search support is an important part of the solution, these are not the only targets of intervention required. Employers need to be educated about successful strategies that will help them to retain their …

Aging In Bedford: A Community Needs Assessment, Caitlin Coyle, Rebecca Mailman, Jan Mutchler

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 the Bedford Council on Aging (COA), to investigate the needs, interests, preferences, and opinions of Bedford’s population of residents who are age 55 and older. The contents of this report are meant to inform the Bedford COA, and other municipal entities, for the purposes of planning and coordination of services, but also to build awareness about issues facing the Town of Bedford’s senior residents.

Aging In Beverly, Massachusetts: A Community Needs Assessment, Caitlin Coyle, Claire Wickersham, Jan Mutchler

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 the Beverly Council on Aging and Senior Community Center (hereto referred to as the Beverly Senior Center), to investigate the needs, interests, preferences, and opinions of Beverly’s population of residents who are age 60 and older. The contents of this report are meant to inform the Beverly Senior Center, and organizations that work with and on behalf of older residents of Beverly, for the purposes of planning and coordination of services, but …

Aging On Nantucket: A Community Needs Assessment, Caitlin Coyle, Jan Mutchler

Center for Social and Demographic Research on Aging Publications

This report describes efforts undertaken by the Nantucket Center for Elder Affairs, Inc. (NCEA), in partnership with the Center for Social & Demographic Research on Aging within the Gerontology Institute at the University of Massachusetts Boston. The purpose of these efforts was to investigate the needs, interests, preferences, and opinions of Nantucket’s older residents. The focus of this report is on the cohort of Nantucket’s residents age 60 and older. The contents of this report are intended to inform NCEA, the Saltmarsh Senior Center, the Council on Aging, the Town of Nantucket, and organizations that provide services to older residents, …

Aging In Reading, Massachusetts: A Community Needs Assessment, Caitlin Coyle, Jan Mutchler

Center for Social and Demographic Research on Aging Publications

This report describes collaborative efforts undertaken by the Town of Reading’s Elder and Human Services Division and the Center for Social and Demographic Research on Aging, within the Gerontology Institute at the McCormack Graduate School, University of Massachusetts Boston. During Spring 2017, these organizations partnered to conduct a study to investigate the needs, interests, preferences, and opinions of the Town’s older resident population, with respect to living and aging in Reading.

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 …