Category Archives for Healthcare

Dueling Social Security Proposals Heard by Senate Finance Committee

Published in RINewsToday on March 6, 2023

Almost eight years ago, Rhode Island lawmakers reduced the tax burden on older Rhode Islanders by tweaking the state’s tax on Social Security in the fiscal year 2016 budget. The exemption to Social Security taxation as it currently stands in statute was put in place in 2015, as part of the FY 2016 budget.

According to Greg Pare, Rhode Island’s Senate Director of Communications, the Assembly expanded a budget proposal by then Governor Gina Raimondo to make Social Security benefits exempt from state taxes for many. “The original proposal would have made them exempt for single filers with federal adjusted gross incomes of up to $50,000 and joint filers up to $60,000,” noted Pare, but lawmakers raised the limit to $80,000 for single and $100,000 for joint filers.

During this current legislative session – 2023 – there are two legislative proposals that, if passed, would decrease the state taxes on Social Security income for up to 175,840 retirees.

Helping Social Security retirees

During the current legislative session, Senator Elaine Morgan (R-Dist. 34, Charleston, Exeter, Hopkinton, Richmond, West Greenwich) introduced SB 84 to completely eliminate the state tax on Social Security income in Rhode Island. The bipartisan legislative proposal specifies for tax years beginning on or after January 1, 2024, an individual may subtract from federal adjusted gross income all Social Security income.

Morgan’s SB 84 has attracted the support of GOP Senate colleagues, along with Democratic Senators on the other side of the aisle.  The senior-friendly, bipartisan legislative proposal sponsors are: Sens. Anthony Phillip Deluca (R-Dist. 29, Warwick), Minority Leader Jessica de la Cruz (R-Dist. 23, Burrillville, Glocester, North Smithfield), Gordon Rogers (R-Dist. 21, Coventry, Foster, Scituate, West Greenwich), Thomas Paolino (R-Dist. 17, Lincoln, North Providence, North Smithfield), Leonidas P. Raptakis (D-Dist. 33, Coventry, West Greenwich), John Burke (D-Dist. 9, West Warwick), Mark  McKenny (D-Dist. 30, Warwick), Frank  Lombardi (D-Dist. 26, Cranston) and Frank Ciccone, III (D- Dist. 7, Providence, Johnston).

“Eliminating state income tax on Social Security benefits will be akin to giving Rhode Island retirees a raise. We must make Rhode Island a better place for retirees and not taxing Social Security income is a large step in that direction. It will help stem the flow of retirees leaving Rhode Island and taking their spending power with them.” says Morgan who made an argument in support of the legislation at the Senate Finance Committee last week, when it was scheduled for consideration, and held for further study.  A fiscal note has been requested, but has not been released.

Time to give older Rhode Islanders tax relief

“Eliminating the tax on Social Security benefits at the state level for seniors who have worked for decades, paying taxes on their hard-earned income, and contributing to Social Security with post-tax dollars, would boost the retirement income for much of Rhode Island’s vulnerable elderly population,” reasoned Morgan. “Social Security is part of the social safety net. It was never meant to fill state coffers; it was meant to carry people throughout their retirement years. It’s time to give our growing older population some tax relief by eliminating the income threshold, beginning with the 2024 tax year,” she said, noting that her legislation will help ensure that even more middle-class retirees and their families can keep more of their hard-earned benefits.

Sen. Walter Felag’s (D-Dist. 10, Bristol, Tiverton, Warren) legislative proposal, SB 246, cosponsored by Sens. Lou DiPalma (D-Dist. 12,  Little Compton, Middletown, Newport, Tiverton), Frank Lombardi (D-Dist. 26, Cranston), V. Susan Sosnowski, (D-Dist. 37, South Kingston) and Frank Ciccone, III (D-Dist. 7, Providence, Johnston), was also heard at the Senate Finance Committee, along with Morgan’s Social Security legislation.  This legislative proposal would not eliminate the state’s Social Security tax but increase income thresholds to $110,000 for single, and $140,000 for joint, filers. Like Morgan’s legislative proposal, the Committee recommended that Felag’s measure be held for further study. No fiscal note has been released yet on this legislative proposal.

With the cost of goods and necessary services increasing, Felag says that it was  crucial to help Social Security beneficiaries by throwing SB 248 into the legislative hopper. “By raising the tax exemption level, we can lessen the financial stress that many retirees on Social Security feel on a daily basis, keeping more of their hard-earned money in their pockets and bank accounts,” he says.

Sen. DiPalma, who serves as Chairman of the Senate Finance Committee, reported that a couple of proposals have been submitted and heard in the Senate Finance Committee.  “Both sponsors and witnesses made the case for why we need to continue to assist our seniors, especially during these inflationary and soon to be “slow-cessionary” periods. These proposals must and will be evaluated in the context of the overall budgetary review process, which is currently ongoing,” he says.

When asked if she ever considered becoming a cosponsor of Felag’s legislative proposal, Minority Leader Jessica de la Cruz stated, “I would have loved to, but I was unaware of his bill.”

“It’s not too late to bring Democratic and Republican Senators together to hammer out a compromise legislative proposal,” says de la Cruz, noting she will be discussing this possibility with Senate President Dominick Ruggerio (D-Dist.4, North Providence, Providence). 

Although I do not see eye to eye with my Democratic colleagues 100% of the time, we find common ground on many other issues,” says de la Cruz. ” I believe there would be bipartisan support for crafting a compromise piece of legislation if it ensured tax relief to retirees on Social Security.

Calls for passage of Social Security proposals

AARP State Director Catherine Taylor, representing over 128,000 members in Rhode Island, called for passage of SB 84 and SB 246. “They would protect the Social Security benefits of older Rhode Islanders,” helping them keep the benefits they have earned over a lifetime of hard work,” she said.

“Assuring that our members are financially secure in retirement is a key component of our advocacy,” stated Taylor, noting that Rhode Island is one of only 11 states that still tax hard-earned Social Security benefits. “State taxes on Social Security benefits in Rhode Island undermines the purpose of Social Security, which was designed to lift seniors out of poverty- not to fund state government,” she says.

“Now, when so many Americans are struggling to afford health care and other basic needs, the promise of Social Security is even more important,” adds Taylor.  

“Whether it is raising the income threshold under existing law, or a complete exemption of Social Security benefits from taxation, like 30 other states around the country, AARP supports all efforts to keep hard-earned money in the pockets of older Rhode Islanders,” Taylor told Senate Finance Committee members.

A Call to Action

According to the Healthy Aging 2020 report, Rhode Island’s older population is growing dramatically. Today, more than 240,000 Rhode Island residents are age 60 or older -  that’s 23% of the population. By 2040 that figure is expected to rise to almost 265,000.  In addition, the state has one of the highest proportions of adults aged 85 and older, of any state in the nation, ranking first in New England.

With the expected graying of the Ocean State’s population, now is the time for Rhode Island lawmakers to reduce the financial stress of Rhode Islanders who struggle to pay their bills and want to remain independent at home in the community.   

Although both Social Security legislative proposals have been held for further study, don’t get concerned, says Pare, the Senate’s Communication Director. “It is common to hold bills for further study on a first hearing, and that is almost always the case for bills with a fiscal impact, which would have to be incorporated into the budget bill when it is considered later in the legislative session,” he says. 

“There is an obvious bi-partisan appetite to provide tax relief to our growing aging population who have been greatly impacted during this pandemic. This is a significant opportunity for Senate Finance Chair Lou DiPalma to craft a compromise bill that will advance Rhode Island as an “age-friendly” state, says  Vincent Marzullo, who served 31 years as a career federal civil rights & social justice administrator at the National Service Agency.  Now is the time for both sides of the aisle to come together for a needed public action,” he says.

For details about 9 States With No State Income Tax, go to https://www.aarp.org/money/taxes/info-2020/states-without-an-income-tax.html

For details about 4 States That May Cut Taxes on Social Security Income, go to https://www.aarp.org/retirement/social-security/info-2023/cut-taxes-social-security-benefits.html

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Don’t Drop Your Guard Against COVID, Flu, and RSV

Published in RINewsToday on December 12, 2022

COVID 19 cases across the nation are fewer in number than this time last year. But health care experts say that the Covid-19 is here to stay.

A new poll released by the Washington, DC-based American Psychiatric Association (APA), the nation’s oldest medical association, shows that while nearly a third of Americans report that while they anticipate being more stressed out this holiday season than last year, they are less worried about spreading or contracting COVID at a festive family gathering. Researchers say the findings, reported in the Dec. 2022 Healthy Minds Monthly Poll, reported they were more worried about affording holiday gifts. The APA’s study was conducted online by Morning Consult from Nov. 9-14, 2022, among 2,209 U.S. adults, with a margin of error of plus or minus 2 percentage points.

Holiday Worries, Less Concern about COVID Pandemic  

According to the poll’s findings, 31% of adults say they expect to feel more stressed this upcoming holiday season compared to last. This is an increase of 9 percentage points since 2021. Potential drivers of holiday stress include worries like affording holiday gifts (50%) and meals (39%) and finding and securing holiday gifts (37%). Younger adults and those making less than $50,000 are more likely to worry about affording the holidays, say the researchers.

Compared to 2021, adults are less worried this holiday season about spreading (35% in 2021 versus 25% in 2022) or contracting (38% in 2021 versus 26% in 2022) COVID-19 at a holiday gathering, noted the researchers. Adults are also less worried about spending time with family who have different views about COVID-19 (30% in 2021 versus 18% in 2022),” they say.

“This is a busy time of year for many people, and it’s common to put a lot of expectations on ourselves during the holidays,” said APA President Rebecca W. Brendel, M.D., J.D in a Dec. 1st statement announcing the study’s findings. “We can all benefit by enjoying moments that bring meaning and belonging, but those times are different for each of us. It’s also okay to opt out of some or all events if they bring more stress or distress than joy. There is no one right way to spend the holiday time of year,” she said.

On the positive side, the researchers added, “the plurality of adults (47%) say they are most looking forward to seeing family and friends this holiday season, of the options tested. That varied by age: Older adults (45-64: 50%, 65+: 63%) are more likely than younger adults (18-34: 37%, 35-44: 36%) to say so. A fifth of American adults (21%) said they were most looking forward to eating good food.”

The researchers noted that parents (39%) are more likely than non-parents (27%) to say they anticipate experiencing more stress this holiday season compared to last year. “Young adults and Democrats are more likely to worry about discussing politics and spending time with family with different viewpoints about COVID-19 during the holidays,” they say.

“While Americans are looking forward to seeing family this year, it’s important to remain vigilant about COVID-19, the flu and RSV,” warns APA CEO and Medical Director Saul Levin, M.D., M.P.A. “We are in a different situation than in 2020 or even 2021, but it’s still important to take precautions and stay home if you are sick,” she said.

Beware of the “Tripledemic”  

 With the Christmas holidays just weeks away, older adults must now not let their guard down about protecting themselves against a “tripledemic” of COVID, flu and RSV, says Nick Landekic, a retired scientist and biotechnology entrepreneur who is a contributor to RINewsToday. 

“COVID is now a pandemic of older people,” warns Landekic in a Dec. 9 article in the state-wide news blog. “With the year-end holidays upon us and infection rates rising across the country, the stark new reality is COVID is now a pandemic of older people,” he says.

“Right now, is a particularly risky time with a ‘tripledemic’ of COVID, flu, and RSV, with almost the entire country at ‘high’ or ‘very high’ levels of infection. Hospitalizations and deaths are both up sharply over the past two weeks, with deaths increasing as well,” says Landekic.

According to Landekic, the most accurate predictor of ending up hospitalized or dying from COVID is age. “Older people are thousands of times more likely to die of infection than younger persons,” he says, noting that the statistics bear this out. “Ninety percent of COVID deaths are now among those over 65. Over 300 Americans continue to die of COVID every day, and nearly 1,000 just on December 7 – a rate of over 100,000 a year – and most of them are over 65,” he says.

(COVID is now a pandemic of older people – Nick Landekic: https://rinewstoday.com/covid-is-now-a-pandemic-of-older-people-nick-landekic)

“You don’t want to get sick from one of these viral  infections and miss visiting with family and friends during the Christmas and New Year holidays, says Michael Fine, MD, author and chief health strategist for the City of Central Falls, adding that  “we’re in a “tripledemic” of COVID, flu and RSV (filling the nation’s pediatric hospitals). “It’s the worst flu year we’ve seen in recent memory,” he says, noting that “it has come early and hit hard.”

Dodging the Bullet 

During the upcoming holidays, Fine says it is easy to protect yourself against the “tripledemic” to prevent infection.  He recommends the importance of getting a bivalent COVID booster  if you haven’t had a booster during the last four months.

“You want to be extra careful two weeks before attending holiday gatherings,” says Fine, a family physician who contributes on health and medical issues (as well as short stories) for RINewsToday and is the former Director of the Rhode Island Department of Health.  Specifically, wear masks in stores and avoid restaurants and bars for about two weeks before a gathering or planned travel. “I don’t think many are eating outside at this point,” he quips.

“Wearing a mask in an airport terminal is important when traveling to family gatherings,” says Fine.  While there is good air infiltration in the air, it is not so in terminals, he adds.

When attending a holiday gathering with multiple households, it is a very good idea for everyone attending to take a COVID 19 home test. “It is not perfect but better than nothing,” says Fine.

“Those who have not been vaccinated yet, you still have time to do so before attending those holiday gatherings,” says Fine

Fine believes that people who haven’t yet been vaccinated can take comfort from the last two years and our now extensive experience with the vaccine. “We have two years of experience with the vaccine with billions being vaccinated.  We haven’t seen any substantial programs. It’s now the best tested vaccine in history,” notes Fine. 

Discounted Lyft to the polls

Published in RINewsToday.com on November 7, 2022

Just before the upcoming mid-term elections, Lyft, a ride sharing services company announces it will offer ride redemption codes valued up to 50% of the cost of a ride to and from voting locations (up to a maximum of $10). The code can be used for discounted rideshare, as well as bike and scooter rides, making it as easy as possible for anyone and everyone to vote.

Riders can preload the code by going to VOTE22 at: https://ride.lyft.com/invite/VOTE22  by going here before Election Day for the discount code that gets applied to their ride to the polls on November 8th. When you request the Code, you have to put in your cell phone number – then you will receive a text giving you a link to download the Lyft app. Codes will be available to be used during voting hours in every time zone. Riders must have the Lyft app on their phone – you can download it wherever you download applications to your phone – or in the apps of one of the participating local bikeshare systems – or follow the link you’ll get by going to VOTE 22 link.

According to Lyft, the company’s Voting Access program was created to address real transportation barriers:  In 2016, an estimated 15 million people registered to vote but didn’t do so because of transportation issues. 

Other studies also confirmed that transportation issues keep people from voting. A study from 2020 found that individuals without access to a car vote at significantly lower rates than those who have one. These barriers are faced by individuals across the demographic spectrum from young to older voters.  An estimated 11.2 million seniors have travel-limiting disabilities that make it difficult to leave home. And 29% of young voters surveyed by Harvard University said they didn’t vote because they didn’t have a ride.

These numbers are even more severe for young people of color, who are 30% more likely to cite transportation as a barrier to voting than young white people. 

Lyft’s initiative is part of the company’s broader 2022 LyftUp Voting Access Program, first introduced last February.

When Lyft initially announced its LyftUp Voting Access Program on Feb. 22, 2022, the San Francisco-based called for strong federal legislation to counter the numerous campaigns nationwide to restrict voting rights. “That’s why we are part of the Business for Voting Rights coalition and have activity supported the John Lewis Voting Rights Advancement Act, which would provide federal voting protections for all.  Lyft is firmly opposed to any laws limiting voting by mail, reducing the number of days people can vote, or pushing any other restrictions on access for eligible voters — particularly those disproportionately impacting Black and Brown communities,” noted the statement announcing this new private sector voting initiative. 

According to Lyft, through the 2022 LyftUp Voting Access Program, the company will provide access to discounted rides on Election Day (Tuesday, November 8, 2022) across the nation.  The company will also donate free or heavily discounted ride codes to nonprofit partners whose communities traditionally face barriers when getting to the polls. Partners include, but are not limited to: League of Women Voters, National Federation of the Blind, Warrior Scholar Project, National Council on Aging, Voto Latino Foundation, Asian and Pacific Islander American Vote (APIAVote), and NAACP. These partners will distribute ride codes directly to people in their networks whom they identify as most in need of transportation. 

In addition, Lyft says it will also work with partners like When We All Vote, Vote.org, and the Civic Alliance to help riders and team members register and prepare to vote. The company will also provide relevant information and guidance to drivers who earn on the Lyft platform about registering to vote on time and when, where and how to vote during each stage of the election.

“Older adults want to participate in our democracy, but many do not have transportation to get to polling stations,” said Ransey Alwin, NCOA president and CEO.

Lyft’s Voting Access Program will help ensure that older adults have access to transportation necessary to make their voices heard where it matters—at the voting booth,” says Alwin.

“We believe that everyone’s voice—and vote—deserves to be heard, and transportation should never be a barrier,” said Lyft’s Director of Social Impact Lisa Boyd.

Using Lyft Voting Access Ride Codes

The Lyft promo code can be used for rides to and from voting polls. The ride code below covers a value of up to 50% of the total cost, up to $10 maximum, to polling stations. It is valid from 5am and 8pm. There are no location restrictions, and the voting access ride codes are valid through Election Day (Tuesday, November 8, 2022). https://ride.lyft.com/invite/VOTE

NOTE: Local candidates usually have convenient assistance to take voters to the polls – call your local senator or rep or candidate for help.

If you know you’ll need help with transportation on voting day – plan now for how you will get there!