Tag Archives for Jason Resendez

National Family Caregivers Month: State-by-State Roadmap on Assisting Caregivers

Published in RINewsToday on November 3, 2025

Over three months ago, AARP and the National Alliance for Caregiving (NAC) released Caregiving in the US. 2025, warning of a major crisis facing America’s 63 million caregivers. The 133-page report, released on July 23, noted a 45% increase in the number of caregivers over the past decade and concluded that caregivers are at a “crisis point.”

The first Caregiving in the US report, released in 1997 by AARP and NAC, is widely regarded as one of the most authoritative data sources on family caregiving in America. Subsequent editions followed in 2004, 2009, 2015, 2020, and now 2025—each providing updated information on caregiver demographics and the evolving realities of caregiving in America.

A First-of-its-Kind State-by-State Data Analysis

Building on the national Caregiving in the US 2025 report, AARP and NAC recently unveiled a first-of-its-kind state-by-state caregiving data analysis. The 248-page report reveals how much local factors—down to your community or ZIP code—shape the caregiving experience, exposing deep financial and emotional challenges confronting millions of family caregivers.

Researchers found that state policy choices make a measurable difference: states offering stronger supports such as paid leave, respite care, and health system integration report far better outcomes for caregivers.

Rhode Island was among 19 states without sufficient sample sizes to support detailed analysis beyond prevalence and the estimated number of caregivers. For these states, only those metrics were included.

According to AARP and NAC, the report identifies a consistent pattern: states with the highest caregiving prevalence often have the fewest supports. Geography, policy, and community resources together determine whether families can manage care—or collapse under its weight.

The takeaway: where you live often determines whether you get relief or reach a breaking point.

With 63 million family caregivers nationwide—nearly one in four adults—the report underscores the urgent need for coordinated policy solutions at both the federal and state levels.

“Caregivers are the invisible backbone of our broken long-term care system and economy, and too many are paying the price out of their own pockets—risking financial security by taking on debt, using up savings, and leaving bills unpaid,” said Nancy LeaMond, AARP’s Executive Vice President and Chief Advocacy & Engagement Officer, in an Oct. 28 statement announcing the report. “This new data offers the clearest picture yet of America’s caregivers and a roadmap for the change they urgently need.”

AARP is urging Congress and state legislatures to adopt commonsense policies that help caregivers save time and money—and get the support they need.

“These state-by-state disparities expose how policy choices determine whether families thrive or collapse under caregiving responsibilities,” said Jason Resendez, President and CEO of NAC. “When financial strain hits 59% of family caregivers in Georgia compared to just 34% in Minnesota—meaning where you live can double your risk of economic hardship—it’s clear that patchwork state solutions aren’t enough.”

Rhode Island Specifics

Ahead of National Family Caregivers Month, AARP Rhode Island released its state-level caregiving data. The findings show that 23%—approximately 206,000 Rhode Island adults—provide largely unpaid care to parents, older spouses, and other loved ones. The data underscores the urgent need for legislative action to better support these caregivers.

“When a loved one needs help, family members, friends, and neighbors step up—that’s what we do,” said Catherine Taylor, AARP Rhode Island State Director. “But too often, caregivers carry this responsibility alone, putting their finances, health, and jobs at risk. As our state ages, the demand for care will only grow. With this new data and ahead of the 2026 legislative session, AARP Rhode Island is urging policymakers at every level to act now.”

AARP Rhode Island estimates that family caregivers provide $2.1 billion in unpaid care each year, enabling loved ones to remain at home and in their communities—where they want to be. Caregivers routinely handle a wide range of tasks, from bathing and meal preparation to managing medications and medical procedures, often without formal training.

Key Rhode Island caregiving statistics:

·         99% assist with instrumental activities of daily living (meal prep, administering medicine, managing finances)

·         65% assist with personal care (bathing, dressing, feeding)

·         55% perform medical or nursing tasks

·         40% provide high-intensity caregiving (many hours and complex care)

·         19% deliver at least 40 hours of care per week

The personal toll is significant:

·         80% of caregivers use their own money to meet their loved ones’ needs—averaging $7,200 annually, or 25% of their income

·         44% report financial setbacks, including debt, depleted savings, or difficulty affording food and medicine

·         70% juggle full or part-time jobs, with many reducing hours or leaving the workforce—jeopardizing their long-term financial security

A Call to Action

A dysfunctional Congress and state legislatures must directly confront the skyrocketing number of caregivers in America.

AARP and NAC along with the Alzheimer’s Association are calling on policymakers to strengthen financial supports—starting with federal legislation such as the Credit for Caring Act, which would provide a tax credit of up to $5,000 for working caregivers, and the Lowering Costs for Caregivers Act, which would expand flexible spending and health savings account uses.

States can also act by ensuring Medicaid home- and community-based care options are accessible, allowing caregivers to earn compensation, integrating caregiver recognition and training into the health care system, and adopting best practices from top-performing states.

In Rhode Island, advocacy groups including AARP, the Senior Agenda Coalition of RI (SACRI), and the Alzheimer’s Association Rhode Island Chapter have made significant progress. Rhode Island’s Temporary Caregiver Insurance (TCI) program—now offering eight weeks of paid leave at 75% wage replacement—helps family caregivers maintain income stability while providing care.

“In continuing our ongoing advocacy on behalf of caregivers, during the 2026 Rhode Island General Assembly session SACRI will prioritize legislation introduced last year — the creation of a state caregiver tax credit and advocate for the inclusion of respite services for adults under the Medicaid program,” notes Maureen Maigret, SACRI Policy Advisor.

Maigret points out that a 2021 AARP study found the average caregiver spends $7,242 out of pocket each year caring for a loved one. “It’s a huge financial burden for many caregivers, especially as the cost of living continues to rise and 40% of caregivers report household incomes of $50,000 or less,” she says, referencing the 2021 Rhode Island Behavioral Risk Factor Survey. “A recent state survey also found that short-term respite is one of the most commonly requested services that caregivers say would help support their needs.”

“Supporting caregivers is not just compassionate—it’s smart policy. In 2024, Rhode Island spent $614 million in Medicaid costs related to dementia. By strengthening caregiver supports—like respite services, dementia-specific training, and care navigation—we can help families keep loved ones at home safely for longer and avoid more costly levels of care,” says Donna McGowan, Executive Director, Alzheimer’s Association Rhode Island Chapter.

“Thoughtful policy and targeted funding is not only the right thing to do—it’s a wise investment in the health and future of our state,” notes McGowan.

To get a copy of Caregiving in the US 2025 go to https://www.aarp.org/pri/topics/ltss/family-caregiving/caregiving-in-the-us-2025/

To get a copy of Caregiving in the US 2025: Caring Across the States, go to https://www.aarp.org/pri/topics/ltss/family-caregiving/caregiving-in-the-us-2025-caring-across-states/

 ___

To access free caregiver tools and local resource guides, visit:

·         AARP Rhode Island “Guide for Caring for Older Adults in Rhode Island helps family caregivers access key programs, services, and agencies right in their community.

·         AARP’s online Caregiving Hub has tools and information available in English and Spanish.

·         AARP and United Way Worldwide’ s 211 program connects Rhode Island family caregivers to essential local services for themselves and their loved ones via the 211 helpline.

___

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