Fixing Access to Internet as Tech Usage Surges Among Seniors During Pandemic

Published in Pawtucket Times on May 10, 2021

Over a year where a global pandemic has significantly reduced social interaction, technology becomes more important than ever, especially for home bound seniors. A newly released 39-page report from the Washington, DC-based AARP found that more older adults (44 percent) view tech more positively as a way to stay connected than they did before COVID-19. The findings indicate that 4 out of 5 adults age 50 and over-relied on technology to stay connected and in contact with family and friends.

Yet, the researchers found that the greater adoption and reliance on technology is uneven because 15 percent of adults 50 and over do not have access to any type of internet, and 60 percent say the cost of high-speed internet is a problem.

Pandemic Increases Use of Technology

“Technology-enabled older adults to better weather the isolation of the pandemic, from ordering groceries to telehealth visits to connecting with loved ones,” said Alison Bryant, Senior Vice President of Research at AARP in an April 21 statement announcing the release of the report, 2021 Tech Trends and the 50+: Top 10 Big Trends. “But it also exacerbated the divide. So much more is done online, and the 38 million disconnected older adults are being further left out,” she says. 

The report’s findings indicate that annual tech spending by those age 50 and over exponentially increased – from $394 to $1144. The top three tech purchases were smartphones, smart TVs, and earbuds/Bluetooth headsets. 

According to the researchers, using technology to connect with family and friends across multiple forms of communication has increased since the onset of the COVID-19 pandemic. Many say they are using video chats (45 percent), texting (37 percent), emailing (26 percent), and phone (29 percent) more now than before the pandemic’s onset. As of 2019, about half had never even used video chat, but one year later they did. Seventy percent have, with 1 in 3 using video chat weekly. Tech use among the age 50 plus community increased particularly in wearable devices – from 17 percent to 27 percent.

The AARP study’s findings indicate that the older participant’s use of smartphones increased dramatically, especially among the homebound. For instance, use for ordering groceries grew from just 6 percent to 24 percent; use for personal health increased from 28 percent to 40 percent for activities like telehealth visits, ordering prescriptions, or even making appointments; use for health and fitness information increased 25 percent to 44 percent and use for financial transactions increased 37 percent to 53 percent.

Weekly use of streaming increased to 58 percent from 44 percent, a significant shift in how the 50+ consume entertainment says the researchers.

Although the study’s researchers also found that half of the age 50 plus wanted to learn more about using tech (54 percent), cost (38 percent), awareness/lack of knowledge (37 percent), and privacy concerns (34 percent) were the top self-reported barriers holding them back from adopting and using the new technology.  

“Privacy concerns continue to be a factor when it comes to using tech, with 83 percent lacking confidence that what they do online remains private,” says the researchers.   

Bringing U.S. Broadband Networks to Millions of Americans

According to Washington, DC-based Free Press, a nonprofit group that is part of the media reform or media democracy movement, more than 77 million Americans lack adequate internet service at home, either because they do not have access or can’t afford it.  

Because of the “stark digital divide,” a much a higher percentage of white families use home broadband internet than Black or Latino families. The ongoing pandemic clearly showed these disparities, particularly for students who struggled to connect while learning remotely, compounding learning loss and social isolation for those students.

Although Congress has already included $3.2 billion in emergency funding for broadband access in the 2021 COVID-19 Stimulus Bill this year, President Biden has called for more funding to increase access to the nation’s U.S. Broadband Networks. Biden recently unveiled the American Jobs Plan Act of 2021, a $ 2.3 trillion infrastructure package, which includes $100 billion in funding to build affordable, reliable high-speed broadband infrastructure throughout the nation to reach 100 percent coverage, as a goal. It would also ensure that all Americans have lower costs for the internet.

Biden’s proposal would build “future proof” broadband infrastructure in unserved (rural and tribal lands) and underserved areas to reach 100 percent high-speed broadband coverage. It calls for reducing the cost of broadband to allow anyone who wants high-quality and reliable broadband internet to afford it and to promote widespread adoption. It funds the building of high-speed broadband infrastructure to reach 100 percent coverage, bringing access to unserved and underserved areas across the nation. It would also promote price transparency and competition among internet providers. This would be accomplished by lifting barriers that prevent municipally owned or affiliated providers and rural electric co-ops from competing on an even playing field with private providers, and requiring internet providers to clearly disclose the prices they charge.

The internet item falls within a broader “infrastructure proposal”. Rhode Island Congressman David Cicilline calls for the passage of Biden’s infrastructure proposal, stating: “I’m especially pleased that President Biden’s American Jobs Plan addresses some of our most pressing priorities here in Rhode Island. It will rebuild our national transportation infrastructure by modernizing 20,000 miles of roads and doubling federal support for public transit. It will put us on track towards a more sustainable future by electrifying our transportation system and building a network of half a million electric vehicle charging stations. It will ensure every American has access to clean drinking water by replacing lead service lines and pipes that still serve up to ten million homes in our country. It will double the number of registered apprenticeships so that more Americans can take advantage of the jobs this plan creates.” 

It’s Time to Seriously Negotiate

GOP House Minority Leader Kevin McCarthy of Calif. and GOP Senate Minority Leader Mitch McConnell, of Kentucky, along with members of their Caucuses, are united in their opposition to the passage of Biden’s infrastructure proposal. An insurmountable wedge was created by the bill’s expansive definition of infrastructure, to includes major funding investments for transportation, housing, eldercare workforce development, and access to broadband, to name a few. It even includes climate change policies, too. GOP lawmakers have a very narrow definition. Simply put, they say just include funding to fix roads, bridges, ports and waterways, and expanding broadband.  

Ultimately, another deal-breaker is how the costly legislative proposal is paid for. Biden calls for the costs to be offset by a corporate tax increase while Republicans see user fees such as road-related taxes and unspent COVID-19 relief funding, to cover costs.

Speaking recently at a press conference at the University of Louisville, McConnell said Democrats should expect “zero” support from the GOP for Biden’s big-ticket infrastructure and social spending proposal. He called on Democrats to support a Senate GOP counteroffer to Biden’s costly infrastructure proposal, costing a mere $568 billion (for roads and bridges, ports, waterways and expanded broadband).

There are many provisions of Biden’s American Jobs Plan of 2021 that both Republicans and Democrats agree on, including investing in roads, bridges, rail lines, ports electricity grid improvements, and increasing access to broadband. Biden says “he’s prepared to negotiate” the cost of the package and how it is paid for. 

So, it’s now time for McCarthy and McConnell to step up to the negotiating table to address their political and philosophical differences over Biden’s definition of infrastructure and funding.

It’s time to send a bipartisan infrastructure bill to Biden to sign.

·For more details about AARP’s Tech Study, go to https://press.aarp.org/2021-4-21-Tech-Usage-Among-Older-Adults-Skyrockets-During-Pandemic.

Seniors with student loans: AARP’s new online tool to manage debt

Published in RINewsToday on April 5, 2021

Over the years, AARP Public Policy Institute (PPI) has tracked the staggering amount of student loan debt that seniors are shouldering to help their children and grandchildren finance their higher education. Many people age 50 also take on student loan debt themselves, seeking more education at colleges and universities to sharpen up their skills to get a raise or a higher paying job.  

AARP national CEO, Ann Jenkins, in a July 3, 2019 blog posting, “Student Loan Debt is Crippling too Many Families,” urged Congress and state legislatures to increase public investment in colleges and universities. “The cost of attending a four-year college more than doubled, even after adjusting for inflation, as state and local funding for higher education per student has decreased,” she said, noting that family incomes haven’t come close to matching that increase.” 

Jenkins warned that the rising cost of student loan debt is “crippling too many families” and “threatens to crush the financial security of millions of Americans over age 50.” According to a PPI report, released May 2019, entitled “The Student Loan Debt Threat: An Intergenerational Problem,” cited by Jenkins in her blog article, Americans of all ages owed $1.5 trillion dollars in student loan debt as of Dec. 2018. Compare this to people ages 50 and older who owed 20 percent of this debt, or $289.5 billion of that total, up from $47.3 billion in 2004, she said, noting “that’s a fivefold increase since 2004.”

Most troubling, this 2019 PPI analysis, found that 25 percent of private student loan cosigners age 50 and older had to make a loan payment because the student borrower failed to do so.

The 2019 PPI analysis findings also indicated the obvious – that is, taking on student loan debt  can quickly deplete a senior’s retirement egg nest. The data revealed that many older student loan borrowers racked up debt by running a balance on a credit card (34 percent) and taking out a Parent PLUS loan, federal money borrowed by parents (26 percent). Other types of borrowing included taking out a home equity loan (12 percent), refinancing of their homes (10 percent), and taking out a loan against their retirement savings (8 percent).

Jenkins also noted that for seniors who defaulted in paying their monthly student loan payments, the federal government can recoup this money by taking a number of steps to collect, among them taking a portion of federal or state income tax refunds, withholding a percentage of Social Security retirement or disability benefits, or even garnishing some of the borrower’s wages.

Today, America’s seniors are still feeling the overwhelming financial weight of having to pay off student loan debt.  

Updated Student Loan Data Released 

Last week, AARP’s PPI released a new report updating data on older student loan borrowers. Like its 2019 analysis, the newly released data in the report, “Rising Student Loan Debt Continues to Burden Older Borrowers”, revealed that student loan debt is still a staggering problem across generations: Americans 50 and older held $336.1 billion, or 22 percent, of the $1.6 trillion in student loan debt in 2020. In 2004, older borrowers accounted for 10 percent of the $455.2 billion student loan debt.

“Student loan debt is becoming a burden for all generations, ensnaring more older adults and delaying or battering the retirement plans for many,” said Gary Koenig, AARP Vice President, Financial Security, in an AARP statement released on March 31, 2021. “Paying for higher education was never meant to last a lifetime.

That is why AARP is helping individuals take charge of their debt and financial security,” he said.

AARP’s newly released PPI analysis found that millions of borrowers – including as many as seven million individuals ages 50-plus – have had their payment suspension extended through September due to the pandemic. However, around a fifth of student loan debt – more than $300 billion – is not included in the current suspension.

Managing Your Student Loan Debt

To help individuals manage their student debt, AARP and Savi unveiled last week a new student loan repayment tool to help individuals identify the best payment options, with special features for the 50-plus population. The Savi Student Loan Repayment Tool provides a free, personalized assessment of student loan repayment options. It can also help individuals identify loan forgiveness opportunities based on employment, and assistance in preparing and filing paperwork.

“We’ve seen the generational impact of student loan debt, and we’re excited to work with AARP in helping older borrowers access immediate and long-term relief,” said Tobin Van Ostern, co-founder of Savi. “This is about changing the narrative and providing freedom from the burdens of student debt to those who need it most,” he notes.

“This new AARP resource provides a means for Rhode Islanders to form a clearer picture of student loan repayment that could help many clear up uncertainties and avoid potential additional costs,” said AARP Stated Director Kathleen Connell. “I urge older Rhode Islanders to get the Information they need, especially those whose retirement savings might be impacted.” 

Any adult with student loans may use the on-line tool at no cost, after registering at AARP.org/studentloans. AARP worked with Savi to customize the tool for older borrowers and includes: Options for dozens of national and state repayment and forgiveness programs; synchronized federal and private loans across all loan servicers easily with industry standard security; support from student loan experts; and access to free educational resources.

According to AARP’s statement announcing the new online tool, the Washington, DC – based aging advocacy group has worked with Savi to provide this resource to low-income older adults at no cost through the AARP Foundation. As older adults are the largest growing age group of student loan borrowers, AARP, and Savi are committed to helping them access the tools they need to begin tackling their student loan debt.

AARP’s statement makes it very clear that its collaboration with Savi does not involve or promote student loan refinancing of any.

Age Discrimination, Workplace Issues at House Hearing

Published in RINewsToday.com on March 22, 2021

Just days ago, Rep. Robert C. “Bobby” Scott (D-VA), chairperson of the House Committee on Education and Labor and Rep. Rodney Davis (R-IL) introduced, H.R. 2062, the bipartisan “Protection Older Workers Against Discrimination Act” (POWADA), a bill that would strengthen federal anti-discrimination protections for older workers. The legislation was introduced March 18, 2021, the same day of a joint House Education and Labor Subcommittee hearing, held to address a variety of workplace issues.  POWADA has been referred to the House Committee on Education and Labor for consideration.

The reintroduction of POWADA is timely.  As the COVID-19 pandemic continues, older workers are attempting to keep their jobs, working more and longer than they ever have. When seniors lose their jobs, they are far more likely than younger workers to join the ranks of the long-term unemployed. And unfortunately, discrimination appears to be a significant factor in older workers’ long-term unemployment.

A 2018 survey conducted by the Washington, DC-based AARP found that 3 in 5 workers age 45 and older had seen or experienced age discrimination in the workplace. The 2018 survey also found that three-quarters of older workers blame age discrimination for their lack of confidence in being able to find a new job.

Congress Gears Up to Again Fight Age Discrimination

Reps. Scott and Davis were joined by seven Republicans and 14 Democrats, including Civil Rights and Human Services Subcommittee Chair Suzanne Bonamici (D-OR) and Workforce Protections Subcommittee Chair Alma Adams (D-NC) to support H.R. 2062.

Rhode Island Rep. David Cicilline has also requested to be a co-sponsor of this legislation.

POWADA was first introduced in Congress after an adverse 2009 Supreme Court decision, Gross v. FBL Financial Services, made it much more difficult for older workers to prove claims of illegal bias based on age. Under Gross, plaintiffs seeking to prove age discrimination in employment are required to demonstrate that age was the sole motivating factor for the employer’s adverse action.  The Supreme Court ruling upends decades of precedent that had allowed individuals to prove discrimination by showing that a discriminatory motive was one of the factors on which an employer’s adverse action was based.

Scott’s reintroduced POWADA returns the legal standard for age discrimination claims to the pre-2009 evidentiary threshold, aligning the burden of proof with the same standards for proving discrimination based on race and national origin.

“Everyone– regardless of their age – should be able to go to work every day knowing that they are protected from discrimination. Unfortunately, age discrimination in the workplace is depriving older workers of opportunities and exposing them to long-term unemployment and severe financial hardship, says chairperson Scott, noting that the reintroduced bipartisan bill would finally restore the legal rights under the Age Discrimination in Employment Act, which covers workers age 40 and over.

Republican Rep. Rodney Davis puts aside political differences and has stepped up to the plate with a handful of GOP lawmakers to co-sponsor Scott’s POWADA legislation. “Every American, including older Americans, deserves to work in a workplace or jobsite that is free from discrimination. That’s why I’m proud to team up with chairperson Bobby Scott and a bipartisan group of lawmakers in introducing the Protecting Older Workers Against Discrimination Act. Our bipartisan bill provides workplace protections for older workers by removing barriers they have to filing discrimination claims, ensuring their workplace rights can be enforced, says Davis, pledging to work with colleagues on both sides of the aisle to finally get the bill passed,” he says.    

Oregon Rep. Bonamici, who chairs the Subcommittee on Civil Rights and Human Services, notes that her state has a rapidly aging population, and age discrimination in the workplace remains disturbingly pervasive.  She joins Scott in cosponsoring POWADA.

“I’ve heard from Oregonians who were denied or lost a job because of their age, but the bar for proving discrimination is very high and the outcomes are uncertain. The bipartisan Protecting Older Workers Against Discrimination Act makes it clear that unlawful discrimination in the workplace is unacceptable and holds employers accountable for discriminatory actions,” says Bonamici.

Adams, who chairs the Subcommittee on Workforce Protections, joins Bonamici in cosponsoring POWADA.  The North Carolina Congresswoman states: “Labor law must protect the dignity of all workers and it must recognize that discrimination against older Americans is discrimination all the same,” says Adams, who chairs the Subcommittee on Workforce Protections. The North Carolina Congresswoman notes that POWADA ensures that older workers will be fairly treated in the job market, returning the legal standard for proving discrimination back to its original intent. There is no place for disparate treatment based on age in the workforce.”

“Labor law must protect the dignity of all workers and it must recognize that discrimination against older Americans is discrimination all the same,” says Adams, who chairs the Subcommittee on Workforce. The North Carolina House Lawmaker says that POWADA ensures that older workers will be fairly treated in the job market, returning the legal standard for proving discrimination back to its original intent. There is no place for disparate treatment based on age in the workforce.

“The introduction of this bill is a crucial step to strengthening the law and restoring fairness for older workers who experience age discrimination,” said Nancy LeaMond, AARP Executive vice president and Chief Advocacy & Engagement Officer. “It sends a clear message that discrimination in the workplace – against older workers or others – is never acceptable.

“Age discrimination in the workplace, like any other kind of discrimination, is wrong.,” said AARP Rhode Island State Director Kathleen Connell. That’s why AARP is fighting all forms of age discrimination in the hiring process and on the job, including an unfair court decision that makes age discrimination more difficult to prove than race- or sex-based discrimination. “Rhode Islanders are living and working longer and experienced workers bring expertise, maturity, and perspective,” Connell added. “Yet negative stereotypes and mistaken assumptions mean that older people are often treated unfairly in the workplace. We need bipartisan Congressional action to address this stubborn and persistent problem.”

Tackling Workforce Issues

Over two-hours, four witnesses testified at a joint Zoom hearing, “Fighting for Fairness: Examining Legislation to Confront Workplace Discrimination,” held before the House Education and Labor Subcommittee on Civil Rights and Human Services and the Subcommittee on Workforce Protections. The morning hearing addressed an array of workforce issues including race and longstanding gender inequities and barriers and pregnancy discrimination at the workplace. A spotlight was also put on the rampant increase of age discrimination that older workers are now facing in the job market and the need to pass POWADA to reverse the detrimental impact of a 2009 Supreme Court decision.

Lauren McCann, senior attorney at AARP Foundation, pointed out to the attending House lawmakers that age discrimination in the workplace remains “stubbornly persistent” and urged a House Education and Labor hearing to “re-level the playing field” by passing strong anti-bias legislation.

McCann told the committee that the ongoing COVID-19 pandemic has exacerbated the problems faced by older workers, who have left the labor force in the last year at twice the rate during the Great Recession.

McCann testified that passage of POWADA, sponsored by Scott, the Chair of the House Committee of Education and Labor, is crucial to reverse the 2009 Supreme Court decision in the Gross v. FBL Financial Services, Inc. case. McCann said that the high court’s 2009 decision abruptly changed the standard — from the longstanding requirement under the ADEA that a worker prove that age is just one motivating factor in adverse treatment on the job — to a much higher and tougher to prove standard: that age is the standard motive.

“Older workers now always bear the burden of persuasion in ADEA cases,” McCann emphasized.

According to McCann, House hearing comes at a time when older workers have been battered by the economic downturn caused by the pandemic. Unemployment for workers age 55 and older more than doubled between Feb. 2020, just before the pandemic began, and last month, based on AARP Public Policy Institute (PPI) analysis of federal data.

The number of age 55 and over unemployed has also doubled, up from one million in February 2020, to 2 million last month, according to PPI.

Turning to the Senate…

At press time, a senior Senate aide for Sen. Bob Casey (D-PA), who chairs the Senate Special Committee on Aging, says the Senator is posed to follow the House by throwing the Senate’s POWADA Senate companion measure into the legislative hopper Monday. 

The Pennsylvania Senator clearly understands why he again must push for the passage and enactment of POWADA.  “As more Americans are remaining in the workforce longer, we must recognize and address the challenges that aging workers face. We must make it clear to employers that age discrimination is unacceptable, and we must strengthen antidiscrimination protections that are being eroded,” says Sen. Casey. “POWADA would level the playing field for older workers and ensure they are able to fight back against age discrimination in the workplace.”