Author Archives for Herb Weiss

Rally round Martin O’Malley for Social Security Administration Commissioner

Published in RINewsToday on August 7, 2023

Just weeks ago, President Joe Biden nominated former Maryland Governor Martin O’Malley, Social Security Commissioner, to lead the Social Security Administration (SSA) in delivering benefits to 67 million Americans per month, totaling over 1 trillion dollars in benefits paid during the year. With the SSA Trust Fund running out of money in 2033 if changes are not made to financially shore up the program, O’Malley will be a key player in the fierce partisan battle on Capitol Hill to address the SSA’s solvency.   

In a tweet with over 91,000 views after his nomination, O’Malley said: “Humbled and honored to be chosen by @POTUS to lead @Social Security into the future. President Biden believes Social Security is a sacred promise.  I look forward to earning the Senate’s approval and serving with the hardworking patriots of the U.S. Social Security Administration.” 

After firing Andrew Saul in July 2021, a hold-over from President Trump’s administration who refused to resign, Biden had named Kilolo Kijakazi, who served as SSA’s deputy commissioner for retirement and disability policy, as Acting SSA Commissioner.  Over her tenure, Kijakazi oversaw the Baltimore, Maryland based independent agency’s efforts to maintain customer service amid the COVID-19 pandemic that forced the closure of SSA field offices throughout the nation. With the agency’s staffing levels at a 25-year low, along with using outdated technology, customer service plummeted because of long waits for phones in-person service.

Now O’Malley is headed to replaces Kijakazi as Social Security Commissioner. If confirmed by the Senate, he will serve a six-year appointed term.  O’Malley will be directly responsible for all programs administered by SSA; for state-administered programs directed by SSA; and for certain functions with respect to the black lung benefits program.

Lots of experience under O’Malley’s belt

O’Malley’s background as two-term Mayor of Baltimore and two-term Governor of Maryland, where he adopted data and performance-driven and customer service technologies to tackle complex challenges, will be helpful as he grapples with how to manage an understaffed and underfunded agency that has reduced SSA’s ability to determine in a timely fashion eligibility of persons seeking retirement, survivor, and disability benefits, and updating benefits promptly when circumstances change.  He has written extensively about how to govern for better results by measuring the outputs of government on a real-time basis.  

During his time as mayor, O’Malley’s policies helped achieve the greatest crime reduction of America’s largest cities. Prior to being elected Mayor, he served as a member of the Baltimore City Council, and Assistant States Attorney for the City of Baltimore before that.

According to the Georgetown University’s Institute for Politics and Public Service, O’Malley was called the best manager in government by Washington Monthly magazine.  “Under his leadership Maryland achieved nation-leading progress: Best public schools in America for an unprecedented five years in a row (Education Week); one of the top states in the nation for holding down the cost of college tuition (College Board); and #1 in innovation and entrepreneurship for three years running (U.S. Chamber of Commerce).” 

In 2016, O’Malley ran for the Democratic Party’s nomination for President of the United States. He dropped out of the race in the winter of 2016 after placing third in the Iowa caucus. He also served two terms as chair of the Democratic Governors Association and was appointed to the nation’s first-ever Council of Governors by President Obama in 2010.

O’Malley received his bachelor’s degree from Catholic University and his law degree from the University of Maryland. Since 2016, he has lectured on public administration at numerous universities and institutions, including the University of Maryland, Harvard University, Georgetown University, and Boston College School of Law.

He and his wife, Katie, a District Court judge, have two daughters, Grace and Tara, and two sons, William and Jack.

Calls for O’Malley’s Senate Confirmation

On July 26, Democratic lawmakers and social security advocates were quick to issue statements of support, strongly endorsing and celebrating O’Malley’s nomination to be SSA Commission.  Here is a listing of a few of these endorsements:

Oregon Senator, Chair of the Senate Finance Committee, Ron Wyden: “Social Security needs a confirmed commissioner in order to ensure Americans are receiving the best service possible for their earned Social Security benefits. Governor O’Malley is a proven leader with experience running a large organization that millions of families count on. I look forward to moving this nomination through the Finance Committee as soon as possible.” [Statement, 7/26/23 – https://www.finance.senate.gov/chairmans-news/wyden-statement-on-omalley-nomination-to-lead-social-security

Connecticut Congressman John Larson: “I applaud President Biden for nominating a champion for Social Security, Martin O’Malley, to lead the Social Security Administration and move it forward to better serve current and future beneficiaries. Governor O’Malley has long supported protecting and expanding Social Security. He knows just how important this program is to our seniors and that the modest payments they live on are simply not enough. I look forward to working alongside him as we work to ensure SSA has the resources it needs to serve our most vulnerable Americans for decades to come.” [Statement, 7/26/23 – https://larson.house.gov/media-center/press-releases/larson-statement-biden-nomination-martin-omalley-commissioner-social

Nancy Altman, President, Social Security Works: “Social Security Works and I, personally, applaud the nomination of Governor O’Malley, a longtime Social Security champion. We will do all we can to ensure his swift confirmation.  We look forward to working with him, once confirmed, to secure more funding for SSA as the president requested and higher benefits, with no cuts, as he, President Biden, and indeed the Democratic Party, through its 2020 platform, have called for.” [Statement, 7/26/23 – https://socialsecurityworks.org/2023/07/26/martin-omalley-will-fight-for-social-security/

Max Richtman, President and CEO, National Committee to Preserve Social Security and Medicare: “We commend President Biden for nominating former Maryland governor Martin O’Malley as Social Security Commissioner. It has been more than 20 years since the Senate has confirmed a permanent commissioner nominated by a Democratic president, and it is way past time for the Social Security Administration (SSA) to have one. As a confirmed commissioner, Martin O’Malley will be able to advocate effectively for SSA, which has been chronically underfunded and has struggled to provide adequate customer service. 

As a presidential candidate in 2016, Governor O’Malley championed the expansion of Social Security. He proposed boosting benefits and adopting a more generous (the CPI-E) for calculating COLAs — while adjusting the payroll wage cap so that the wealthy pay their fair share.  He insisted that ‘it is our responsibility to ensure that Americans who put in a lifetime of hard work are able to retire with the dignity they deserve.’ American workers’ payroll taxes largely fund the SSA.  They have every right to expect the agency that administers their benefits to be fully funded — with a permanent commissioner at the helm. The Senate should confirm Governor O’Malley in a timely manner when it returns from August recess.”

Richard Fiesta, Executive Director, Alliance for Retired Americans: “Members of the Alliance for Retired Americans are pleased that President Biden has nominated former Maryland Governor Martin O’Malley to be the next Social Security Administration (SSA) Commissioner. The SSA needs a strong Commissioner now more than ever. With 10,000 Americans turning 65 each day, the workload increases every day, and the budget has been woefully inadequate to meet the needs of seniors, people with disabilities and all-American families. Gov. O’Malley has a proven track record and the experience to navigate these challenges and ensure that Americans are able to get the benefits they have earned. American workers have earned their Social Security benefits, paying into the system with every paycheck. They deserve world class service from a fully staffed workforce equipped with the best tools and technology available. The Alliance for Retired Americans is confident that under Governor O’Malley’s leadership SSA will deliver. There is no time to waste. We urge the Senate to confirm Gov. O’Malley without delay.”

As SSA’s Commissioner, O’Malley will become the point person for Biden to push for an increase in the agency’s administrative expenses to improve computer technology, open field offices across the nation to improve the agency’s customer service by reducing backlog and wait-time on phone to its 67 million beneficiaries. (https://retiredamericans.org/retirees-praise-biden-nomination-of-martin-omalley-to-be-social-security-commissioner/)

Final thoughts…

Like Biden, O’Malley calls for defending the Social Security program against Republican attack, supporting the expansion of Social Security benefits, and raising SSA taxes on higher income beneficiaries. With Senate Republicans opposing these policies and a razor-thin Democratic majority in the upper chamber, expect O’Malley’s nomination to squeak by in being confirmed.  After the Senate returns from its month-long August recess, Senate Majority Leader Chuck Schumer (D-New York) must quickly move to schedule a vote on O’Malley’s nomination.  SSA now needs its top leader in place to begin working to fix SSA’s ongoing issues of financial solvency and customer service issues.

For more details about O’Malley, go to https://en.wikipedia.org/wiki/Martin_O%27Malley.

AARP helping RI communities become more livable with Challenge Grants

Published in RINewsToday on July 31, 2023

One might say that the Washington, DC-based AARP puts its money where its mouth is. The nation’s largest aging advocacy group recently announced that it is investing $3.6 million in 310 Community Challenge grants for quick-action projects to help these communities become more livable. AARP says its grants will improve public places; transportation; housing; digital connections; diversity, equity and inclusion; and more, with an emphasis on the needs of adults aged 50 and older.

AARP defines a livable community is one that is safe and secure, and it offers choices in where to live and how to get around. A livable community enhances a person’s independence and allows residents to age in place. It also provides a variety of opportunities for its residents of all ages, abilities, and backgrounds to participate in the community’s civic, economic, and social life.

And, a livable community also equitably serves residents of all ages, ability levels, incomes, races, ethnicities, and other backgrounds. 

“These grants continue to lead to long-term, positive changes in communities across the country,” said Nancy LeaMond, AARP Executive Vice President and Chief Advocacy & Engagement Officer in a June 28 statement announcing the grant recipients funded in all 50 states, Washington, DC, Puerto Rico and the U.S. Virgin Islands.  

“This year, we are proud to support the largest number of projects in the program’s seven-year history, which will improve residents’ quality of life through tangible changes so everyone can thrive as they age,” says LeaMond.

AARP Community Challenge accepted applications across three different grant opportunities, including existing flagship grants in addition to new capacity-building microgrants for improving walkability and community gardens. New demonstration grants will focus on improving transportation systems, with funding support provided by Toyota Motor North America, and housing choice design competitions. 

True to the programs “quick action” nature, these projects MUST be completed by Nov. 30, 2023.

AARP’s newest funded recipients

“AARP Rhode Island is committed to working with local leaders to improve residents’ quality of life through tangible changes,” said AARP Rhode Island State Director Catherine Taylor. “We are proud to collaborate with this year’s grantees as they make immediate improvements in their communities to jumpstart long-term change, especially for Rhode Islanders 50 and over.”

“We are so excited to team up with AARP and city leaders to host a series of six free neighborhood walking tours focused on pedestrian safety and accessibility for all,” said one of this year’s grant recipients, Liza Burkin, lead organizer of the Providence Streets Coalition. “’Walk, Talk n’ Chalk’ will bring Providence residents over age 50 together with local street safety advocates, their Ward Councilor, and city employees who specialize in foot travel for a tour of the neighborhood, she says.

 “Each tour will use sidewalk chalk to foster conversation and capture needed changes to the built environment that will facilitate safe walking and rolling to neighborhood destinations,” she says.

“I am extremely excited and honored to have received the AARP Grant,” says Jack Lenz, Director of Development at the Providence-based West End Community Center, Inc.  Lenz was pleasantly surprised that his application was one of 311 chosen from 3,600 submitted.

Lenz noted that this was the first funded AARP grant, chocking it off to “beginner’s luck” because he is new to fundraising. 

According to Lenz, The West End Community Center run’s one of the largest food pantries in Providence. “We see many people struggling with food insecurity as well as access to fresh produce and transportation every day,” he said, noting that this “revolutionary method of growing vegetables was particularly effective for areas with of contaminated soil. “Growing vegetables directly out of the straw bales makes growing vegetables safer,” he says.

Lenz plans to seek out other grant opportunities to continue funding this gardening initiative to make it permanent and to expand it.

“The Mount Hope Community Center is very appreciative for being selected to receive AARP’s Flagship Grant, and we are looking forward to providing our Senior group with vital computer literacy workshops,” says Helen Baskerville-Dukes, executive director of the Mount Hope Community Center.  In working with our senior group, the need for computer literacy came up in their weekly meetings, she said.  

According to Baskerville-Dukes, it is the first time she has applied for an AARP grant.  With this program up and running, she plans on continuing to seek new grant funding to continuing to offer this impactful initiative.

Since the program’s debut in 2017, AARP has awarded $12.7 million through more than 1,060 grants in nearly 700 communities reaching 100 million people. The projects have been completed across all 50 states, Washington, D.C., Puerto Rico and the U.S. Virgin Islands, says AARP’s website. During this time AARP with AARP Rhode Island have awarded 17 grants and some $203,522 through the program to nonprofit organizations and government entities across the state.

According to AARP Rhode Island’s website, Rhode Island’s newest grant funded recipients were:

Providence Streets Coalition (PVD Streets). “Walk, Talk & Chalk” will bring people over age 50 and civic leaders together to sketch out – literally – the plan for improving safety, mobility, and access for people of all ages and abilities in Providence. The Providence-based PVD Streets, using AARP’s Walk Audit Toolkit, will organize six walk audit assessments throughout the Capitol City. The goal is to bring aged 50 and over residents to walk with city planners, elected leaders, and neighborhood organizers.

Mount Hope Community Center (MHCC). AARP’s grant funding will allow The Providence-based Mount Hope Community Center to host a weekly seniors’ group that has expressed interest in accessing computers to help them stay connected with family and friends, access online resources, and learn new skills. This grant funding will allow MHCC to purchase laptops and create a more modern computer lab for its members. This project will provide access to technology and trainings to improve our seniors’ quality of life, reduce feelings of isolation, and promote independence and engagement.

Bike Newport. The New Port-based bicycle advocacy organization’s project, “Cycling Without Age Ride,” provides a powerful opportunity for pilots and participants to connect in conversation with each other. Bike Newport will target two principal populations: Disabled veterans of all ages and senior veterans. Bike Newport will collaborate with the Rhode Island Chapter of Disabled American Veterans (DAV) and the Rhode Island Veterans Home Community Living Center in Bristol, RI, to bring the participants together by scheduling ride outings utilizing an electric-assist trishaw called “The Chat”. This project will counteract isolation and provide outdoor adventure and camaraderie for the participating people 50-and over and disabled veterans through piloted rides, with trained volunteer pilots.

West End Community Center. This project will distribute 200 straw bales to participating community members and demonstrate how simple safe and cost effective it can be to grow their own vegetables using this revolutionary urban agricultural method. Last summer the Providence-based organization built a straw bale garden consisting of 10 bales next to its parking lot where gardening brought people coming together in to grow vegetables to share with the community.

Taking a Look at Last Year’s AARP Grant Recipients  

Last year, AARP targeted $ 44,852 to fund four Rhode Island projects located in Central Falls, Woonsocket and Providence.   

Groundwork Rhode Island and its community partners received $ 14,000 to convert an underutilized green space in Central Falls for use by residents of all ages to enjoy, by installing seating and tables for dominos and chess.

The $10,278 grant that the Downtown Woonsocket Collaborative received transformed the outside location of the Aging Well senior center into a safe, inviting space for outdoor exercise as well as creating a gathering place for Woonsocket’s age 55 and over community. 

The Providence Streets Coalition’s $12,574 grant allowed the bicycle advocacy group (for a week) to transform a parking lane into a temporary urban bike lane.

Finally, the Southside Community Land Trust used its $8,000 grant to allow its youth staff to continue its work on beautifying outdoor spaces to cultivate herbs and vegetables for seniors in Providence to enjoy.  They also will collaborate with an artist to create a cookbook that preserves senior’s traditional recipes and stories. 

Rhode Island’s 39 Cities and Towns might glean ideas to enhance their communities for older residents by looking at the “best practices” listing of AARP Challenge Grants funded over the past two years.

For more details about AARP’s Livable Community Initiative, email livable@aarp.org.

View the full list of 2023 grantees and their project descriptions at aarp.org/communitychallenge and learn more about AARP’s livable communities work at aarp.org/livable.

View the full list of 2022 grantees and their project descriptions at 

https://states.aarp.org/rhode-island/congratulations-2022-community-challenge-grantees

Annual retirement survey: Caregivers less likely to save. Support for this critical role.

EBRI Survey Says Unpaid Caregivers Less Likely to Save for Retirement

Published in RINewsToday.com on July 24, 2023

According to the 33rd annual Retirement Confidence Survey (RCS) released last week, caregivers are more likely to have lower levels of assets and more likely to have problems with debt than non-caregivers. Because of this they are also less likely to have saved for retirement, and are more likely to retire earlier than planned for reasons out of their control, which can reduce the lifestyle of caregivers in retirement.

According to the Employee Benefit Research Institute (EBRI), a nonpartisan organization researching health, personal finance and economic security issues, the RCS is the longest-running survey of its kind that measures worker and retiree confidence. The survey is conducted jointly by EBRI and Greenwald Research, a firm specializing in retirement, employee benefits and health care research.

The online survey of 2,537 Americans was conducted from Jan. 5 through Feb. 2, 2023. All respondents were ages 25 or older. The survey included 1,320 workers and 1,217 retirees, and this year included an oversample of roughly 944 completed surveys among caregivers (598 workers and 346 retirees).

“Caregivers can take on many roles and responsibilities when taking on the care of a relative or friend. Unfortunately, what we found is that caregiver retirees are more likely than non-caregivers to say that their overall lifestyle in retirement is worse than they expected it to be before they retired,” said Craig Copeland, director, Wealth Benefits Research, EBRI in a statement released on July 18, 2023.

Key findings in the 2023 RCS Caregivers Report

The RCS’s findings also indicate that caregivers are more likely to have little financial cushion in retirement, having virtually no financial assets and are more likely to have a problem with debt than non-caregivers.  Twenty five percent of caregivers have less than $1,000 in savings and investments compared with 15 percent of non-caregivers. At the same time, caregivers are less likely to say that debt is not a problem — 36% compared with 48% among non-caregivers.

The researchers found that 55% of caregivers who work, and 37% of retired caregivers reported that they provide financial assistance to the recipients of their care. Over one-third of working caregivers (35%) and retired caregivers (37%) say they provided $5,000-$14,999 in financial support to their caregiving recipient in the past 12 months.

RSC’s study also found that the unpaid caregiver’s role and responsibilities are more likely to have a negative impact on their mental and physical health, than in doing specific financial tasks. Among working caregivers, 66% say their mental health is negatively impacted by the caregiving they provide, and 57% say their physical health is negatively impacted. Fifty four percent of the working caregivers reported that they had difficulty saving for emergencies and could not work the hours they wanted or needed to work.

According to RSC’s study there are no significant differences between caregivers and non-caregivers strongly or somewhat agreeing that they feel knowledgeable about managing their day-to-day finances.  Additionally, there are also no significant differences in the likelihood of caregivers and non-caregivers strongly or somewhat agreeing that they feel knowledgeable about managing savings and investments for the future.

Caregivers in many instances have less confidence in their finances than non-caregivers, say the researchers, noting that when it comes to preparing for retirement, caregivers are just as likely as non-caregivers to have done various retirement preparation tasks. These include having tried to figure out how much money they will need to have saved by retirement, thought about how much money to withdraw from their retirement savings and investments, and planned for how they would cover an emergency or big expense in retirement.

The distributions of the ages at which both caregivers and non-caregivers retired are not different, say the researchers, noting that the likelihood of retirees having retired earlier, later, or when planned are also not different between caregivers and non-caregivers. However, the findings say that the top reason caregivers were most likely to have retired earlier than planned was because they had to care for a spouse or another family member. 

Finally, RSC’s survey found that caregiver retirees are more likely to say that their overall lifestyle in retirement now, compared with how they expected it to be before they retired, is worse than non-caregiver retirees. Specifically, 31% of caregiver retirees say it is worse, compared with 20% of non-caregiver retirees.

A call for Congress and state policies to assist Caregivers

“EBRI’s study further confirms that America’s 53 million unpaid family caregivers are experiencing harsh financial effects due to caregiving. From taking on debt to spending down savings, too many family caregivers are sacrificing their financial health to fulfill their care responsibilities, says Jason Resendez, President & CEO of the National Alliance for Caregiving. “Without federal policies such as paid family and medical leave, family caregivers will continue to risk their financial security to provide essential care for their loved ones,” he says.

According to Maureen Maigret, Chair of the Aging in Community Subcommittee of the Long-Term Care Coordinating Council, the findings are no surprise to her. They mirror findings from the 2020 National Alliance for Caregiving and AARP report, Caregiving in the U.S. which found 61% of family caregivers were women, 45% had seen a financial impact due to caregiving, and an increase in family caregivers reporting fair or poor health since 2015.

“It’s estimated that 121,000 Rhode Island caregivers provide an economic value of $2.1 billion for the care they provide,” says Maigret. 

“The fact that women represent a larger percent of unpaid caregivers is significant in looking at differences in financial situation of caregivers vs. non-caregivers,” says Maigret, who serves on the board of the Senior Agenda Coalition and Village Common of RI.

“There continues to be a wage gap for women workers which impacts them in their retirement years”, she says, noting that U.S. Census data shows there is a 21% difference in average Social Security benefits for Rhode Island women and a 43% difference in pension income.

“Women are also over-represented in a number of paid caregiving jobs with depressed wages such as nursing assistants and childcare workers, and this impacts them in retirement,” says Maigret, calling on state lawmakers to pass legislation to expand the Temporary Caregiver Insurance law paid leave program funded entirely by workers from 6 to 12 weeks as most states with such programs have done. They could also increase state funding for the caregiver respite program to allow greater amounts of respite for family caregivers to work or address their own needs.  

“The Rhode Island General Assembly can also consider a tax credit program to help offset the costs incurred by family caregivers as several states have done,” adds Maigret, suggesting that they could consider lowering the age for the Office of Healthy Aging @Home Cost Share program from 65 to 60 years to allow more caregivers of seniors with disabilities to access this program thus relieving some of their financial burden.

Deb Burton, Executive Director of RI Elder Info, notes that Rhode Islanders are disproportionately impacted by the cost of caregiving because in comparison to other states, “We have a higher per capita ratio of individuals over the age of 85 in the state. Many people in their 60’s and 70’s retired to care for their parents who are in their 80’s, 90’s and 100’s,” says the gerontologist. 

“There are also disparities in financial strain among caregivers based on race, ethnicity and age of the caregiver which must be considered in light of the EBRI study,” says Burton, citing an article penned by Richard Eisenberg. According to Eisenberg’s article in AARP. “The Family Caregivers Feeling the Most Strain” Hispanic family caregivers, spend an average of 44% of income on caregiving, African Americans spend 34% and White caregivers spend 14% on caregiving costs. Caregivers ages 71 to 91 pay more than twice the amount of caregivers ages 51 to 70. 

“We urgently need to create a Statewide Plan on Aging to address the multiple ways our added longevity is intersecting with our financial, familial and community roles,” she says.

“The House commission on older adults will begin meeting in September and we will begin by looking at a broad set of policies and programs.  We haven’t established what our agendas will look like, as of yet, but issues raised within this new report may be part of the conversation,” says Rep. Lauren Carson (D-District 75, Newport) who chairs the new study commission to take a look at funding, coordination, and deliver of state programs and services to seniors. 

“Over the next 10 years, we’ll likely have 15 to 20 percent more seniors in Rhode Island, and we need to be prepared,” says Carson, noting that the commission will take a look at all the challenges and issues at the outset.” We’ll develop more specifics as we move forward. I’m very interested in this retirement confidence survey, and I think it could really be useful to our commission as we look at the myriad of issues facing our older Rhode Islanders,” she says.

The RCS report focusing on caregivers can be viewed by visiting www.ebri.org/rcs-caregivers.  

Caregiving in the US found at https://www.caregiving.org/research/caregiving-in-the-us/

For estimates of #of RI caregivers: https://www.aarp.org/content/dam/aarp/ppi/2023/3/valuing-state-estimates.doi.10.26419-2Fppi.00082.009.pdf

For caregiver data, go to US Census Age Group Gender Gap data @ https://www.census.gov/library/visualizations/interactive/exploring-age-groups-in-the-2020-census.html