Elder Poverty: Do the numbers really stack up?

Meeting basic needs becomes increasingly harder as individuals drop below the poverty line. About 3.5 million Americans ages 65 and older lived in poverty in 2010. An additional 2.3 million older Americans were ai???near poor,ai??? with incomes below 125 percent of the poverty line. However, these measurements may be dangerously misleading.

How is Poverty Measured?

Poverty thresholds vary by family size and whether the head of household is 65 or older, but not according to regional location or cost of living. It should also be noted that when the official poverty measure was developed, the thresholds were set at three times the cost of a ai???minimum food plan,ai??? because at the time, one third of family expenditures were spent on food. The only adjustment made to this measure since then is an annual update to account for inflation. Needless to say, revisions to make measure more relevant are in order.

Misleading Measures

Troubling reports have recently been surfacing, relaying the message that the economic wellbeing of older Americans is optimistic. These reports give individuals a false sense of the truth. Yes, average income and wealth have increased in recent decades for adults 65 and older, but this does not give the full picture when other living expenses have increased exponentially, especially health care. Headlines like, ai???As seniors climb from poverty, young fall inai??? from a February 2012 USA Today article may crease a false and unnecessary sense of competition between the wellbeing of children versus older people. As Chris Langston reports, readers scanning the paper easily misconstrue headlines, leaving them misinformed. Overall, the story, as well as others like it, serves to undermine the legitimacy of older adult poverty.

Adjusting the Measure

Last year, the Census Bureau adjusted their long-standing measure of poverty by adding a Supplemental Poverty Measure. This considers more resources (such as the value of food stamps and tax credits), deducts out-of-pocket medical and other necessary expenses, and uses a more up-to-date measure of need than the standard measure. This method has actually increased the poverty rate for older Americans, from 9 to about 16 percent, mostly due to out of pocket medical care costs, online slots a reality that cannot be ignored. Clearly there is still work to be done.

Reducing Poverty in Older Adults

The way in which adult poverty evolves will depend upon what changes are made to the Social Security program to address its financial challenges. It will also depend upon whether the recently passed Affordable Care Act, which includes provisions to reduce or control healthcare costs for older Americans, will survive. Efforts to reduce poverty may begin by focusing on getting more older Americans to participate in income and in-kind assistance programs for which they may already be eligible. These may include Supplemental Security Income (SSI) or SNAP, and programs such as Medicaid, Medicare Saving Programs, or Low income Subsidies for Medicareai??i??s Part D Drug benefit. According to a 2012 National Counseling on Aging study, seniors are missing out on an estimated $20 billion in aid to help with food, medicine and heating. Renewed effort to deliver benefits to people in need, along with more effective tools for assessing impact, can make a real difference in the lives of millions of older Americans who struggle to get by.   Thank you to Arlene Wanetick for editing this post and to xavi talledaAi??for the photo.

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