AARP Rhode Island pushes its 2024 legislative agenda

Published in RINewsToday on February 12, 2024

Standing in front of an AARP backdrop in the Rhode Island State Room at the State House, last week AARP Rhode Island hosted a 34 plus minute press conference plugging the “aging” group’s 2024 legislative agenda. The nonprofit organization, representing 125,000 members, unveiled its four priority issues: to increase temporary care giver insurance to caregivers, to boost the availability of Accessory Dwelling Units (ADUs); to create a program to allow employees to save for retirement; and to eliminate the state’s income tax on Social Security. 

Gov. Dan McKee, House Speaker K. Joseph Shekarchi (D-Dist. 13, Warwick), Senate Majority Leader Ryan W. Pearson (D-Dist. 19, Cumberland, Lincoln), State Treasurer James Diossa, came to support AARPs efforts advocacy efforts, backing its four priority legislative issues. 

“AARP’s mission is to empower people to choose how they live as they age,” said State Director Catherine Taylor, in her opening remarks.  At the event, she called on lawmakers to pass AARP Rhode Island’s legislative agenda. 

Taylor took this opportunity to share the results of the 2023 AARP Rhode Island Vital Voices survey that reveals that Rhode Island residents age 45+ overwhelmingly would choose to remain in their own communities and own homes as they grow older. “In order for this to be a reality, Rhode Islanders must have financial security in retirement, affordable and accessible housing options, and access to resources that enable them to take care of those they love,” she said. 

Let us take a look at AARP Rhode Island’s legislative priorities for this year.

Boosting the State’s Housing Production 

With the strong support of House Speaker K. Joseph Shekarchi (D-Dist. 13, Warwick), one of nine Democratic cosponsors of H. 7062, it is expected that House leadership will send the approved committee bill to the floor this week for a vote. The legislative proposal would boost the state’s housing production by allowing a homeowner to develop Accessory Dwelling Units (ADUs) on their property.

ADUs, sometimes referred to as in-law apartments or granny flats, backyard cottages, or secondary units, allow seniors to downsize enabling them to live independently and age in place in their communities. The bill was written in collaboration with AARP Rhode Island, and is one of the aging group’s primary legislative policy goals. 

H. 7062, introduced by Rep. June S. Speakman (D -Dist. 68, Bristol/Warren), chairwoman of the House Commission on Housing Affordability, would boost the state’s housing production by making it easier for homeowners to develop ADUs on their property. It would give the property owner the right to develop an ADU within the existing footprint of their structures or on any lot larger than 20,000 square feet, provided that the design complies with local building code, size limits and infrastructure requirements. 

Sen. Victoria Gu (D-District 38, Westerly, Charlestown, South Kingstown) will shortly submit a Senate ADU companion proposal but has yet to drop it into the legislative hopper. One Senator noted that there will be technical differences between the House and Senate ADU proposals which will have to be ironed out. 

Assisting employees to save for retirement – Secure Choice

Rep. Evan P. Shanley (D-Dist. 24, Warwick, East Greenwich), throws H 7121, The Rhode Island Secure Choice Retirement Savings Program, into the legislative hopper. The bill would establish a convenient, low-cost voluntary retirement savings plan for working Rhode Islanders.

According to AARP Rhode Island, about 40 percent of Rhode Island private sector workers, about 172,000, ages 18 to 64 in 2020 were employed by businesses that do not offer any type of retirement plan.

The retirement savings program, administered by the office of the General Treasurer, would see retirement savings accumulated in individual accounts for the exclusive benefit of the participants or their beneficiaries. The bill would see no fiscal impact on the state’s budget.

H 7121 has been referred to the House Finance Committee for consideration. A companion measure (S 2045) has been introduced in the Senate by Sen. Meghan E. Kallman (D-Dist. 15, Pawtucket, Providence).

Under Shanley’s legislative proposal, the General Treasurer, who serves as the custodian of state funds for the Rhode Island government, would be charged with collecting contributions through payroll deductions and investing these funds in accordance with accounting best practices for retirement saving vehicles. The elected official would also be responsible for setting minimum and maximum contribution levels in accordance with contribution limits set for IRAs by the Internal Revenue Code. The law would become effective for ALL eligible employers within 3 months of the opening of the program enrollment following a phased implementation period. 

Caring for Caregivers

Senate Majority Whip Valarie Lawson (D-Dist. 14, East Providence) and Rep. Joshua J. Giraldo (D-Dist. 56, Central Falls) have introduced identical bills in their chambers that would expand Rhode Island’s Temporary Caregiver Insurance (TCI) program from six weeks to 12. It also increases weekly dependent’s allowances from $10 to $ 20 or 7% increase of benefit rate whichever is greater. That would bring the Ocean State in line with other states and allow new parents more time for parental leave and caregivers more time to care for a critically ill family member.

S 2121 and its House companion measure, H 7171, would also expand the definition of critically ill family to include grandchildren, siblings and “care  recipients,” defined as individuals for whom the employee is a primary caregiver.

According to AARP Rhode Island, the state’s unpaid family caregiver labor force totals 121,000, providing 113 million care hours per year.

The United States is one of only six countries in the world, and the only wealthy country, without guaranteed parental leave, according to the Bipartisan Policy Center. In recent years some states, like Rhode Island, have stepped up to offer their own programs.

According to a statement released announcing the introduction of S 2121, Rhode Island became the third state in the nation to offer paid parental leave in 2013 when legislators created the TCI program. TCI, which is paid for through payroll deductions, allows new parents to take six weeks of paid leave to bond with and care for their child. It also allows individuals to take this time to care for a seriously family member. That can prove vital for a working adult who needs to care for their spouse after a surgery or a terminally ill parent.

Since 2013, however, many other states have surpassed Rhode Island’s leave offerings. Currently, 11 states and the District of Columbia offer paid parental leave, with two additional states set to offer it beginning in 2026. Most offer 12 weeks, while Rhode Island offers the least amount of time at just six weeks, says the statement.

Finally, it was noted that individuals on TCI in Rhode Island receive 60% of their normal salary. Of the ten states that offer similar programs, most workers receive at least 80%. In Massachusetts, workers receive 80% of their salary for 12 weeks. Workers in nearby Connecticut receive 95% of their salary for 12 weeks.

Cutting Taxes 

According to AARP Rhode Island, more than one in five Rhode Island residents, that’s 230,018, receive Social Security benefits.  These payments inject more than $ 4 billion into the state’s economy every year.

But Rhode Island is one of 9 states that tax Social Security beneficiaries, says AARP Rhode Island. The state tax on Social Security undermines the purpose of the retirement program, charges the state’s largest aging group, estimating that this program has lifted 50,000 Rhode Islanders 65 or older out of poverty from 2018 through 2020.

Three Senate bills and one House bill have been introduced so far.   

S 2061, introduced by Deputy Minority Whip Sen. Elaine J. Morgan (R-Dist. 34, Charlestown, Exeter, Hopkinton, Richmond, West Greenwich), identical to a bill introduced last year, aside from the effective date would allow a modification to federal adjusted gross income for all Social Security income for tax years beginning on or after January 1, 2025.

Sen. Mark P. McKenney (D-Dist. 30, Warwick) has introduced S 2158 and House Deputy Majority Whip Mia A. Ackerman (D-Dist. 45, Cumberland, Lincoln) just submitted H 7588. These identical bills would gradually phase in modifications to the federal adjusted gross income over a four-year period for Social Security income, from 25% up to 100%, beginning on or after January 1, 2025.

And, Sen. Walter S. Felag, Jr. (D-Dist. 30, Bristol Tiverton Warren) legislation, S 2058, would increase the federal adjusted gross income threshold for modification for taxable social security income. This act would also amend references to the federal adjusted gross income as it pertains to modification of taxable retirement income from certain pension plans or annuities.

To watch AARP RI’s legislation reception, held Feb. 8, 2024l, go to https://capitoltvri.cablecast.tv/show/214?site=1.

For obtain the results of the 2023 AARP Rhode Island Vital Voices survey, go to:

https://www.aarp.org/research/topics/life/info-2022/aarp-vital-voices-surveys-older-adults-2022-2024.html – and scroll down to “Rhode Island”

The Village helps grandparent/kinship caregivers in need

Published in RINewsToday on September 18, 2023

When we dream about our retirement years, these dreams most likely don’t include images of diapers, children’s tantrums, and school buses. However, for some grandparents and other kinship caregivers, their later years include these images, as they become primary caregivers for their grandchildren/kin children.

Nationally, more than 2.5 million children are being raised in kinship families which includes grandparents, other extended family members, or anyone with an existing relationship with the child or family. When these children cannot be with their parents, the next best thing is being placed with kin.

There are many benefits to staying with kin rather than being placed into the state’s foster care system. These can include experiencing less trauma; increased stability, higher rates of permanency; better behavioral and mental health outcomes; more feelings of belonging and being accepted, increased likelihood of living with or staying connected to their siblings, and a greater sense of cultural identity and connections to family.  

Additionally, kinship caregivers save the U.S economy approximately $ 6 billion dollars per year by keeping children out of formal foster care. Across the nation, there is a growing recognition of the importance and value of kinship caregivers. However, all of this comes at a physical, mental and financial cost to the kinship

The challenges of being a kinship caregiver

A new research study, Caregiver Profile: A Closer Look at Grandparents Caring for Grandchildren, by the National Rehabilitation Research and Training Center on Family Support (NCFS) at the University of Pittsburg, grandparent caregivers are experiencing a litany of adverse effects causing them to become a particularly vulnerable group. Grandparents are facing a higher rate of disability, lower employment, and a greater likelihood of poverty, says the study’s findings. One quarter of grandparents raising grandchildren live below the poverty line.

“Many challenges exist for grandparent and kin caregivers of children when it comes to navigating the legal and custody landscape while supporting their own needs, from physical and mental health to financial and employment security. We think this data [detailed in the 16 page report released in Sept. 2023] showcases the need to move forward on the recommendations developed by the Advisory Council to Support Grandparents Raising Grandchildren (SGRG) and the Recognize, Assist, Include, Support, and Engage (RAISE) Act Family, Caregiving Advisory Council that can help to support grandparent and kin caregivers,” said Meredith Hughes, JD, MPH, Senior Policy Analyst at University of Pittsburgh Health Policy Institute and Assistant Professor in the School of Public Health.”

 It is important to provide supportive services for grandparents raising grandchildren as many of these caregivers lack the necessary resources to fully support the children in their care. Support in areas such as kinship navigator programs that provide a single-entry point for learning about housing, health services, and financial and legal assistance, along with improved household resources and access to mental health services are needed. Rhode Island has a kinship navigator program for families involved with the department, but currently one does not exist for those who are not involved.  For every family involved with the Rhode Island Department of Children, Youth & Families, (DCYF), there are 5 who are not.

Grandparenting in the Ocean State

cording to the U.S. Census bureau, over 13,968 children are living with and being raised by their grandparents in Rhode Island, who make up the largest percentage of relative caregivers. Some kin families are involved with the child welfare system when children have to be removed from their home on an emergency basis. Rhode Island is one of the leading states in the nation in finding and placing children with kin. The state’s long-held philosophy is that children do better by living with kin. Of all the children in the state’s foster care system, around 70% are placed with kin.

For families involved with the DCYF, (known as “formal” kin caregivers) while it can be a distressing experience, they do gain access to needed resources and services, as well as receive monthly stipends and other supports to care for the children. For families who have private arrangements and are not involved with DCYF (“informal” caregivers), finding those resources and services can be challenging. Many if not most of kinship families are not involved with the child welfare system and have no idea that there are any resources. Finding and supporting those families has become one mission of the Cranston-based The Village for RI Foster and Adoptive Families (The Village) and the Warwick-based Hispanic Foster and Adoptive Parents Organization of Rhode Island (The Heart Tree).

The Village, established in 2016 by a group of five foster and adoptive families, provides peer support to all RI foster, adoptive and kin families. The Village provides support through peer mentoring, peer-led support groups and family events, as well as running a “Closet” where families both donate and receive material things such as clothing, toys, diapers etc. The Heart Tree, a sister organization, also provides those same supports in a culturally appropriate manner to our Spanish speaking families. The Heart Tree was established in 2021 to meet the unique needs of Spanish speaking foster, adoptive and kin families.

Sixty-three-year-old Laurie Tapozada is a kinship caregiver who sees the value of the assistance provided by the The Village in raising her 8-year-old grandson. “When it first happened and I was suddenly raising a baby at age 55, I didn’t know one single other family like mine, she said.

“My life was turned on its head, I was struggling to manage my hectic work schedule with a baby and dealing with all sorts of messy and painful family dynamics that come with being a kinship caregiver,” says Tapozada.

According to Tapozada, she had to re-educate herself as to how to safely raise a baby without getting support from family and friends who thought she was “crazy” for taking this on. It was overwhelming and distressing until she received a call from a friend who suggested that she “call the Village and they will understand.”  From that point Tapozada has become actively involved in the kinship community and network, “It been a life changer for me,” she says.

Although Rhode Island is recognized as a leader in ensuring that children removed from homes are placed with kin, increasing support for kin families is a pressing need.  In 2022, the Rhode Island Office of Healthy Aging awarded a grant (through funding from the U.S. Administration for Community Living overseen by the U.S. Department of Health and Human Services) to the Village and the Heart Tree, to identify informal kin families and help connect them to existing resources, and to the growing kinship caregiver community. 

RIOHA’s grant also funded a multi-faceted effort, in person and online activities, and incorporating traditional printbroadcast, digital and social media communication and training.  Throughout the year, exhibit tables were placed at family events, informational meetings and festivals to get the word out about available resource for kindship caregivers. This grant also created a statewide website where these individuals could go and learn more about resources, as well as find out what is happening in the kin community. This website is www.kinshipcommunityconnections.org.

Project Director Shannon Dos Santos, of the Village, sees the value and positive impact of this grant on Rhode Island’s kinship caregiver families. “I have seen the joy on the faces of many Kinship Caregivers aged 55 and over and their families over the last fifteen months as a result of this grant,” she says, noting that reaching out to this population and getting them to engage has been a challenge. “But when they do – it is beautiful to watch.”

According to Dos Santos, many just feel isolated, overwhelmed and alone. “This grant has allowed us to focus on community outreach and engagement as well as provided us with opportunities to enhance what we at the Village do so well – peer support and family activities!  “It has been a blessing to watch these families come together at these events, form relationships with others in  similar situations and feel safe sharing their experiences,” she says.  

The Village’s Chairman of the Board, Sue Babin, who is also full-time employee and a kinship caregiver, too, added, “This exciting grant initiative has provided The Village with an opportunity to continue to do what we do best… peer outreach and support from people with lived experiences.” And, while RI OHA’s grant ends this month, additional funding will extend the program for 12 months, she says.

For info about The Village for RI Foster & Adoptive Families (The Village), go to https://www.rivillage.org/Or call (401) 481-5483.

For info about Hispanic Foster and Adoptive Parents Organization of Rhode Island (The Heart Tree), go to https://sites.google.com/view/thehearttree/homeinicio?authuser=1.  Or Call (401) 306-9652.

For info about Kinship Community Connections, go to https://kinshipcommunityconnections.org/

WPRI 12’ s Rhode Island Video on Foster Care Month, go to https://www.youtube.com/watch?v=AhI206EXBfQ.

For a copy of the recently released research study, Caregiver Profile: A Closer Look at Grandparents Caring for Grandchildren, by NCFS at the University of Pittsburg, go to

https://www.caregiving.pitt.edu/caregiver-profile-closer-look-grandparents-caring-grandchildren

To the Class of 2022: Age boldly, enjoy your journey

Published in RINewsToday on May 16, 2022

According to Research.com, this year commencement speakers at colleges and universities in Rhode Island will impart their “pearls of wisdom“ to 19,782 graduating college seniors and their families. The usual commencement speech, traditionally about 10 minutes in length, offers simple tips and observations that, if taken, just might offer the young graduates a more rewarding personal and professional life ahead. Social media platforms and websites will quickly disseminate this sage advice given by well-known lawmakers, judges, television personalities and CEOs, to millions across the globe.

Globe columnist Dan McGowan gives his readers in the Rhode Map, the paper’s free newsletter about Rhode Island, a who’s who list of well-known commencement speakers that will gather at Rhode Island’s 12 Colleges and Universities to give the Class of 2022 advice on making their new journey in the world amidst the continuing COVID-19 pandemic causing sweeping societal changes in the workplace, health care, and social activity. 

McGowan’s detailed listing of “marquee names” delivering commencement speeches at Rhode Island’s colleagues and universities are:  

House Speaker Nancy Pelosi at Brown University; Emmy Award-winning actor and director Henry Winkler at  New England Institute of Technology; Human Resource Guru William J. Conaty at Bryant College; Rhode Island Governor Dan McKee at CCRI; Big East Commissioner Val Ackerman at Providence College;  Entrepreneur and Author Bruce Poon Tip, Founder of G Adventures; Miriam Hospital President Maria Ducharme at Rhode Island College, Deep Sea Explorer Robert Ballard noted for his work in undersea archeology at URI; Graphic designer, educator and Author Cheryl D. Miller at RISD; Navyn Salem, who founded the nonprofit Edesia, Inc. whose mission is to treat and prevent global malnutrition at Salve Regina; and Dr. Anthony Fauci, Chief Medical adviser to the president at Roger Williams University.

This year’s commencement speakers are very well-deserving of their honor to address Rhode Island’s graduating college seniors.  But if I had an opportunity to speak before the graduating class of 2022, here are my thoughts and tips I would give, centered on the importance of aging gracefully and boldly over your accumulating years, and they will accumulate faster than anyone could imagine.

Aging can be viewed as a life-long, unpredictable journey.  A slang phrase in Wikipedia sums up “a simple existential observation that life is full of unpredictable events. Over the years, you might have heard the phrase, “Shit Happens.” Many people choose to hold on to their fading youth, not wanting to look in the mirror to see wrinkles, sagging stomachs, and even gray hair.  They hold fiercely to their memories of the 1963 Pepsi Generation commercial that celebrated youth and active people.   

It’s so easy to say, accept and embrace your aging.  

You will be tempted to chase after prestige, power, the perfect relationship, or a high paying job.  I say being healthy is your most important possession you can have in your lifetime. Cherish it. Work towards it. URI Gerontologist Phil Clark once told me, “Use it or lose it. Stay as physically active as you can.”  “If you rest, you rust,” he says, noting that physical exercise elevates our mood and benefits our cardiovascular system, too. This conversation took place over 25 years ago, and I still remember this advice.  

Before the COVID-19 pandemic, a North Attleboro couple, Mark and Nancy Shorrock began dining daily, seven days a week, if their schedules permitted, at Spumoni’s Restaurant in Pawtucket.  Over the years, they developed personal relationships with around 30 couples who frequented the informal restaurant and bar. While not a support system, that informal group who knew each other innately, benefited the Shorrocks, and I would think all of the people who kept coming back as regularly as they did. 

The importance of being around others is documented in a 2017 national report. The Global Council on Brain Health (GCBH) report, released by AARP, cites strong scientific evidence that behavior changes and lifestyle habits can positively impact one’s brain health. It’s not uncommon for social networks to shrink as we age. “Research tells us that larger social networks may positively impact your health, well-being, even your cognitive functioning,” said Sarah Lock, AARP Senior vice president for Policy and GCBH Executive Director. 

So, as the decades fly by, work to maintain your social network of family and friends to maintain good cognitive functioning. And while you may build your on-line networks, do not overlook the greater importance of the in-person kind, those you break bread with, share what your children may be doing, or call just to hear a voice who knows a whole lot about you, without your even having to say it.      

Research also tells us that you can also reduce your risk of cognitive decline by exercising your brain. Take time in your busy day to read newspapers, magazines, and books, or even play a challenging crossword puzzle, build your vocabulary, learn a new skill, even play chess.

Being a volunteer can also be a protective buffer from the curve balls that life may throw at us as we age. “Volunteering can be medicine for the soul. It allows you to connect with other people, explore and remedy emerging community issues, make a difference as a caregiver or mentor and change lives. Volunteering is powerful and can define and redirect your life’s journey,” says Vincent Marzullo, who for 31 years served as RI’s National Service Director and still volunteers weekly at Hasbro Children’s Hospital.

When you require help, don’t be afraid to ask your family, friends or even professional colleagues for support and assistance. People will always go up the ladder of their careers, even down, too.  Take the opportunity to be there for not only people you know, but also strangers when they need a helping hand to jump-start their faltering personal relationships or professional careers. 

Time really does fly after you graduate college.  Don’t be afraid to pivot in your career – you may have spent 4 years or 8 years or many more studying and becoming an expert in a particular subject, but find your passion calls you to another career-path. Don’t be afraid to take the path that calls out the loudest for you. As you move into your middle or later years, view your life as a meaningful journey, living in the present, not tied to past experiences, nor possible future events. It’s the journey, not the end result, that you should focus on.

Amma, a well-known Hindu spiritual teacher, tells her millions of followers to view their life as a ‘canceled check.’ Let go of those past regrets, forgive yourself for those mistakes especially made in childhood and teenage years, more important those you made as you move into your middle or later years. Don’t regret passing up personal or professional opportunities, for others will follow, she says. Use your time on earth wisely; don’t waste it carrying the burdens of past guilt or personal grudges. Think about that.

View your life as being back in high school, learning from each positive and negative experience you encounter. When you confront life’s health, financial, and personal and professional challenges, keep a positive attitude. Don’t be overwhelmed by negative thoughts. Each day you will make daily choices as to how you will react to your problems. In these situations, you can either see the proverbial glass as either being “half-full” or “half-empty.” A positive attitude allows you to see a “half-full” glass, thus allowing you to successfully overcome the adversity.

As we grow older, we sometimes put too much energy into reflecting on our personal and professional defeats, being depressed on the “bad hands” we were dealt. Savor your victories, but always forgive yourself for your shortcomings and failures. Learning from your shortcomings and defeats will build a strong bridge to future successes.

Also, forgive others who have hurt you personally and professionally. You cannot live or reconcile your life peacefully if you are still holding onto grudges, anger, and bitterness, all tied to past relationships or negative employment experiences.

Writer Simon Kent tells us a powerful story about forgiveness in an article penned in 2013 on the Toronto Sun’s website. When Nelson Mandela’s National African party won the election that would end apartheid in South Africa, he forgave his white political foes, says Kent, noting that the power of forgiveness kept the black majority ruling party from seeking revenge.

According to Kent, at his 1994 inauguration, Prisoner 46664 — Nelson Mandela — had kept a seat set aside for a very special guest he wanted to witness his swearing-in as President, the highest office in the land. This person, one of his former jailers from Robben Island, where he was held for 18 years of hard labor. 

Why do we continue to hold anger, bitterness, and grudges against others? If Mandela can easily forgive his former jailor and a white society that kept his black brothers and sisters enslaved for centuries, why can’t you forgive others, too? 

Pass on your hard-earned wisdom. As you begin to accumulate more of life’s professional and personal experiences, share your story with others, especially those younger than you. By the time you reach your twilight years, you will have accumulated a huge reservoir of untapped wisdom gained from your life’s journey from making both good and bad decisions.  When taking on the new role of parent or grandparent, always continue to share your insights and lessons you have learned to your children and grandchildren.  The generations following you will lose out if you remain silent and keep your knowledge and history from them.

Get off the treadmill of life. Learn to slow down and enjoy the simple moments of your life. In her books and lectures, nationally-acclaimed author Connie Goldman, has stated that the simple act of watching a beautiful sunrise or sunset or even puttering around your garden can be as stimulating as a jam-packed calendar of activities.  

My final thought – nothing is guaranteed in life except death, taxes, and even, hopefully, growing old. So, Class of 2022, I urge you to make the most of your life that is just beginning to unfold before you. Don’t focus on the end result. Focus on the journey. Sometimes it is not the big things that you do that count, rather the simple daily acts of loving kindness you give to all those around you.  

Enjoy your new journey. Age boldly.