the california elder economic security initiative ™
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The California Elder Economic Security Initiative ™. CARA Conference October 22, 2007 Susie Smith Californians for Family Economic Self-Sufficiency, a project of The Insight Center for Community Economic Development. Insight Center for Community Economic Development. - PowerPoint PPT PresentationTRANSCRIPT
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CARA ConferenceOctober 22, 2007
Susie Smith
Californians for Family Economic Self-Sufficiency,a project of
The Insight Center for Community Economic Development
The California Elder Economic Security Initiative™
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Insight Center for Community Economic
Development Insight Center is a 38 year old national research
and consulting organization dedicated to building economic health and opportunity in vulnerable communities
We partner with a diverse range of colleagues to develop innovative strategies and programs that result in systemic change and help people become, and remain, economically secure Californians for Family Economic Self-Sufficiency (CFESS)
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A multi-year project that offers a conceptual framework and concrete tools to shape public policies and programs to promote the economic well being of older adults, whether or not they have the capacity to be fully self-reliant or are in need of certain public supports to age in place with dignity.
The Elder Economic Security Initiative™ program is…
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Insight Center, Oakland, CA Californians for Family Economic Self-Sufficiency (CFESS), a project of
Insight Center, is a statewide network of 400+non-profit and public agencies
Wider Opportunities for Women, Washington, DC
Gerontology Institute at the University of Massachusetts
UCLA Center for Health Policy Research
Statewide CA-EESI Steering Committee
National EESI Advisory Board – guides national work and vetted methodology over 2 years
Who is Involved in the Elder Economic Security Initiative™ (EESI™)?
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National EESI™ Advisory Board
Our National Research Partner: Gerontology Institute at UMass Boston
AARPNational Council on the AgingThe Urban Institute Income Benefit and Policy CenterNational Committee to Preserve Social Security and MedicareWomen's Institute for a Secure RetirementHealth Policy Institute at Georgetown Public Policy InstituteInstitute for Women’s Policy Research ACCRA-the Council for Community and Economic Research The National Caucus and Center on Black Aged, Inc. The Pension Rights CenterNational Academy of Social Insurance State EESI partners, and affiliate state EESI partners
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California EESI Steering CommitteeCalifornia Community Foundation On Lok SeniorHealth
John Muir/Mt. Diablo Community Health Fund National Council on Aging
Alameda County Area Agency on Aging Senior Community Centers of San Diego
U.S. Department of Labor, Women’s Bureau UCSF Institute for Health and Aging
California Women’s Agenda St. Mary’s Center
California State Senator Sheila Kuehl California Senate Subcommittee on Aging and Long Term Care
Office of California State Senator Elaine Alquist California Advocates for Nursing Home Reform
National Senior Citizens Law Center Plumbline Coaching and Consulting, Inc.
Cal-Nev Community Action Partnership The Health Trust
Fresno-Madera Area Agency on Aging Office of California State Assemblymember Patty Berg;UC Berkeley Center for the Infoline Sacramento
Advanced Study of Aging Service
Los Angeles County Area Agency on Aging Los Angeles City Area Agency on Aging
Y & H Soda Foundation UCLA Center for Health Policy ResearchUnited Way of the Bay AreaCalifornia Commission on the Status of Women Edgewood Center for Children and FamiliesAARP The California EndowmentStanford Geriatric Education Center California Alliance for Retired Americans
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The Goals
To Provide a Framework to help guide:
o Older adults’ decisions and choices,
o Families and agencies that help care for them,
o Aging Boomers as they plan for their futures, and
o Public policy and programs at the national, state, and local level.
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Coalition building, Research, Education, Advocacy, and A media strategy at
the community, state, and national level.
The Elder Economic Security Initiative™ program combines…
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Current State EESI™ Partners
Insight Center for Community Economic Development (CA)
MA Association of Older Americans (MA)
Health and Medicine Policy Research Group (IL)
Pathways PA (PA)
Wisconsin Women's Network (WI)
Expanding to include 15 more lead state partners
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How does the EESI™ program work?
We use a three-pronged approach: Tabulate state Elder Economic Security
Standard™ indexes using a standardized methodology;
Develop national, state, and local coalitions; and Develop and implement a national, state, and
local policy/programmatic agendas and priorities drawn from the findings of the Elder Standard index.
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Why theCalifornia Elder Economic Security Standard™
index? Elder poverty in CA is already a
serious problem: 8% of CA adults age 65+ live
below federal poverty in 2005 11% of San Diego adults age
65+ live below federal poverty in 2005
29% of all California’s older adults have incomes below double the poverty line ($19,600 single adult; $23,400 for two-person household)
Significant increase in elders will strain mechanisms of support
Standard tool used for assessing elders’ economic well-being is deeply flawed
The CA Elder Economic Security Standard™index:
The new measure of income adequacy allows advocates
to push for policy and programmatic changes that
improve living standards and economic security
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High Cost of Living: Impact on EldersElder Standard™ index shows…
What does it take for elders to age with dignity?
To remain in the community as their health and other needs change?
How costs vary by life circumstances: Household, housing tenure, health,
transportation, & need for long-term care
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The Basic Assumptions
Considers market costs of independent living – without subsidies
Begins at age 65Assumes elders are
retired
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The Cost Data:Comparable - Area specific
HousingFoodHealth care and
statusTransportationOther needs
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Federal Poverty Line v Elder Standard
The Federal Poverty
Line:
- Based on cost of
food
- “One size fits all” in
every county and
state of U.S.
- Same across housing
type
- Same across health
status
- Describes poverty
Elder Standard:
- ALL basic costs
- Varies by county
- Varies by household type
- Varies by health status
- Describes self-sufficiency
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Sample Urban County Elder Standard DRAFT – Not for Distribution
Owner w/o Mortgage
Owner w/Mortgage
Fair Market Rent 1BR
Housing 421$ 2,089$ 1,068$ Food 215$ 215$ 215$ Transportation 121$ 121$ 121$ Health Care (Good Health) 293$ 293$ 293$ Miscellaneous @ 20% 210$ 210$ 210$ Elder Standard Per Month 1,260$ 2,928$ 1,907$
Elder Standard Per Year 15,125$ 35,133$ 22,883$
Monthly Expenses
Elder Person
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Sample Urban County Elder Standard DRAFT – Not for Distribution
Owner w/o Mortgage
Owner w/Mortgage
Fair Market Rent 1BR
Housing 421$ 2,089$ 1,068$ Food 624$ 624$ 624$ Transportation 323$ 323$ 323$ Health Care (Good Health) 586$ 586$ 586$ Miscellaneous @ 20% 391$ 391$ 391$ Elder Standard Per Month 2,345$ 4,012$ 2,992$
Elder Standard Per Year 28,140$ 48,148$ 35,899$
Monthly Expenses
Elder Couple
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Elder Standard™ Index vs. Other Benchmarks
One-Person Household Elder Standard Range = $15,000 to $35,000 Federal Poverty Guideline = $10,210 SSI Payment in CA = $10,272 Average Soc. Security Paym’t in SUC = $12,024
Two-Person Household Elder Standard Range =$28,000 to $48,000 Federal Poverty Guideline =$13,690 SSI Payment in CA = $18,024 Average Soc. Security Paym’t in SUC = $22,619
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The Impact of Long-Term Care at Home in Massachusetts*
(example of what will come for CA)
Need for Care
Low MediumHigh with Adult Day
Health
High w/o Adult Day
Health
Hours/ Week
6 hrs 16 hrs 36 hrs 36 hrs
Cost/ Month
$663 $1,729 $3,028 $3,680
Cost/ Year
$7,955 $20,753 $36,331 $44,161
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Sample Urban County Results Indicate…
High housing costs equal up to 70% of total expenses
For singles, healthcare is 2nd largest expense
For couples, food is 2nd largest expense
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Sample Rural/Central Valley County
Owner w/o mortgage
Owner w/mortgage
Fair Market Rent 1BR
380$ 1,071$ 542$ 217$ 217$ 217$ 121$ 121$ 121$
Health Care (Good Health) 283$ 283$ 283$ Miscellaneous @ 20% 200$ 200$ 200$ Elder Standard Per Month 1,201$ 1,893$ 1,363$
Elder Standard Per Year 14,416$ 22,711$ 16,357$
Expenses/Monthly and Yearly Totals
Housing Food Transportation
Elder Person
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Sample Rural/Central Valley CountyDraft – Not for Distribution
Elder CoupleOwner w/o mortgage
Owner w/mortgage
Fair Market Rent 1BR
380$ 1,071$ 542$ 482$ 482$ 482$ 323$ 323$ 323$
Health Care (Good Health) 566$ 566$ 566$ Miscellaneous @ 20% 350$ 350$ 350$ Elder Standard Per Month 2,101$ 2,792$ 2,263$
Elder Standard Per Year 25,215$ 33,509$ 27,155$
Expenses/Monthly and Yearly TotalsHousing Food Transportation
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Rural/Central Valley Elder Standard™ vs.
Other BenchmarksOne-Person Household Elder Standard Range = $14,400 to $22,700 Federal Poverty Guideline = $10,210 SSI Payment in CA = $10,272 Average Soc. Security Paym’t in SRC = $11,944
Two-Person Household Elder Standard Range =$25,200 to $33,500 Federal Poverty Guideline =$13,690 SSI Payment in CA = $18,024 Average Soc. Security Paym’t in SRC = $20,066
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Sample Urban County Results Indicate…
High housing costs equal up to 38% of total expenses
Healthcare is 2nd largest expense for singles and couples
Food is 3rd largest expense
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Summary of Findings, continued
Elders can’t make ends meet at the federal poverty level or average Social Security payment without supports in sample rural or urban counties in CA
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Using the Elder Standard™ index
Education Policy and Advocacy Case Management Community Planning Programmatic
Development Financial Security
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Proposed Action Plan
Inform Elders Legislators Aging agencies Governor’s Office
Identify Gaps Opportunities
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Proposed Action Plan
Expand Coalition of elders,
advocacy orgs., public agencies, legislators, service providers
Promote Legislative/
Administrative Action Programmatic reforms
Change Future Outlook
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Change This Picture in the Future
A Yardstick for Measuring Change Develop new programs Foster partnerships & collaborations Create flexible networks
Securing Income Inform responsible retirement planning Promote livable wages that provide livable retirement income Strengthen Social Security & Medicare Address Pension/Annuity Issues Address debt issues
Invest In Expanding health care access/connectors Manage cost of health care Preserve and expand supply of affordable elder housing (rental,
owner, supportive services) Increasing options and access to long-term care Strengthen elder consumer protections
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Taking Project to Scale in CA
Statewide Release 1st Quarter of 2008 after Governor’s Budget Announcement Statewide policy agenda Public hearings / Stakeholder engagement event Press release co-sponsored by key legislators
Local Coalition Building around the State Identify lead agencies in key regions Regional coalition - how data will help locally,
create local policy agenda Organize community forum/public event Local public hearings
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Next Steps
Calculate packages of LTC costsFinalize statewide policy agenda and
briefingRelease Elder Standard & Policy Agenda
Statewide and regionallyExpand CA-EESI NetworkLaunch “It’s Not Your Fault” Campaign Listening Campaign on how data will help
older adults in CAResearch: Analyze “above/below” numbers
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Next Steps
Train organizations and public agencies on how to use Elder Standard
Encourage adoption of the Elder Standard by policymakers, public agencies, non-profit organizations, and foundations
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Get involved!
Join statewide CA-EESI CoalitionEmail [email protected]
Join Local EESI coalitionsSan DiegoLABay AreaSacramento
Attend Release EventsPress conferences, community forums, public
hearings
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Discussion: Elder Standard™ index
What Programs & Policies Can Help Close the Income – Expense Gap in CA?
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Discussion: Elder Standard™ index
How would you use this information? In Advocacy for yourselves and other older
adults? In direct service efforts? Interest in joining CA-EESI Coalition
Email [email protected]
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Acknowledgements
California Elder Economic Security Initiative™ Steering Committee
Funders: The Health Trust, Alameda County AAA, LA County & City AAA, Wider Opportunities for Women, The California Community Foundation, The California Wellness Foundation, The California Endowment, Y & H Soda Foundation, United Way of the Bay Area
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Next Steps/ Comments/ Questions
For more information, please contact:Susie Smith: [email protected](510) 251-2600x108