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<!DOCTYPE html><html lang="en" class="__variable_9c011f __variable_c40baf __variable_9cb5ad"><head><meta charSet="utf-8"/><meta name="viewport" content="width=device-width, initial-scale=1"/><link rel="preload" href="/_next/static/media/c86098910c1bdb70-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/d4dfaaf638cb194c-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/d5dfdc4b139a48ee-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="preload" href="/_next/static/media/feef95912297bfe4-s.p.woff2" as="font" crossorigin="" type="font/woff2"/><link rel="stylesheet" href="/_next/static/css/35bddac55f5b0d7e.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/db5292a1a783cd04.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/be6fa0e08c41c129.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/1b5250b1dbe2b9c1.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/2d1ac3113d46b141.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/303cf2d1bc558b74.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/b167756043491b43.css" data-precedence="next"/><link rel="stylesheet" href="/_next/static/css/a0bd11ef3f4b37a4.css" data-precedence="next"/><link rel="preload" as="script" fetchPriority="low" href="/_next/static/chunks/webpack-d720e829b77a22de.js"/><script src="/_next/static/chunks/fd9d1056-bec824c24fa49572.js" async=""></script><script src="/_next/static/chunks/7023-4ec5560517232951.js" async=""></script><script src="/_next/static/chunks/main-app-534bf336529f2ed5.js" async=""></script><script src="/_next/static/chunks/9655-d422d8f45bf69fb7.js" async=""></script><script src="/_next/static/chunks/1877-a2d92bd903de6e47.js" async=""></script><script src="/_next/static/chunks/5848-b4594609cfb19033.js" async=""></script><script src="/_next/static/chunks/app/layout-a1b47882fca29e12.js" async=""></script><script src="/_next/static/chunks/8101-a0310b01e89fb659.js" async=""></script><script src="/_next/static/chunks/5396-41e5fd495494337c.js" async=""></script><script src="/_next/static/chunks/7093-f627f190f0b37fb3.js" async=""></script><script src="/_next/static/chunks/4349-fb2ffeb5cee7cfad.js" async=""></script><script src="/_next/static/chunks/9109-378ea6cd6027e57b.js" async=""></script><script src="/_next/static/chunks/3510-8314b596baedf06d.js" async=""></script><script src="/_next/static/chunks/5484-907c34a95de192ba.js" async=""></script><script src="/_next/static/chunks/1514-ca8dcbf0c5ba8634.js" async=""></script><script src="/_next/static/chunks/5647-91f734d23772568a.js" async=""></script><script src="/_next/static/chunks/3718-46ebf56bd1d95d76.js" async=""></script><script src="/_next/static/chunks/app/(CatchAll)/%5B...path%5D/page-53e5797da08ad154.js" async=""></script><link rel="preload" href="https://www.googletagmanager.com/gtm.js?id=GTM-PHJ4LQ" as="script"/><title>Research on Aging | The National Council on Aging</title><meta name="description" content="NCOA fields surveys and analyzes the latest data to understand the shifting needs of older adults, especially those who are most at risk of health and financial insecurity. Explore our latest research reports and findings."/><meta property="og:title" content="Get the Latest in Aging Research"/><meta property="og:description" content="NCOA fields surveys and analyzes the latest data to understand the shifting needs of older adults, especially those who are most at risk of health and financial insecurity. Explore our latest research reports and findings."/><meta property="og:url" content="https://www.ncoa.org/research/"/><meta property="og:image" content="https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/5d6c6ae8-2ff5-44ca-ab4d-c60388ba1ec4/senior-couple-embracing-each-other-922754766_FB-1200x630.jpg"/><meta property="og:image:width" content="1200"/><meta property="og:image:height" content="630"/><meta property="og:image:alt" content="A senior couple embraces each other, staring out of their window."/><meta property="og:type" content="website"/><meta name="twitter:card" content="summary_large_image"/><meta name="twitter:title" content="Get the Latest in Aging Research"/><meta name="twitter:description" content="NCOA fields surveys and analyzes the latest data to understand the shifting needs of older adults, especially those who are most at risk of health and financial insecurity. Explore our latest research reports and findings."/><meta name="twitter:image" content="https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/5d6c6ae8-2ff5-44ca-ab4d-c60388ba1ec4/senior-couple-embracing-each-other-922754766_FB-1200x630.jpg"/><meta name="twitter:image:width" content="1200"/><meta name="twitter:image:height" content="630"/><meta name="twitter:image:alt" content="A senior couple embraces each other, staring out of their window."/><link rel="icon" href="https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/b8253ae8-9078-4294-8498-7986ed941953/NCOA_Favicon_48x48.png"/><meta name="next-size-adjust"/><script src="/_next/static/chunks/polyfills-78c92fac7aa8fdd8.js" noModule=""></script><script>window[Symbol.for("InstantSearchInitialResults")] = {"prod_ncoa_date_desc":{"state":{"facets":[],"disjunctiveFacets":[],"hierarchicalFacets":[],"facetsRefinements":{},"facetsExcludes":{},"disjunctiveFacetsRefinements":{},"numericRefinements":{},"tagRefinements":[],"hierarchicalFacetsRefinements":{},"index":"prod_ncoa_date_desc","attributesToSnippet":["content"],"filters":"categories:'Research'","query":"","highlightPreTag":"__ais-highlight__","highlightPostTag":"__/ais-highlight__","page":0},"results":[{"hits":[{"categories":["Money Management","Money Management","Research"],"content":"\u003cp\u003eToday\u0026rsquo;s 65-year-old can expect to live another 20 years, according to the Social Security Administration. This unprecedented gift of longevity brings with it exciting opportunities\u0026mdash;and a price tag. Unlike their parents and grandparents, today\u0026rsquo;s pre-retirees and retirees face a vastly different retirement security landscape. The traditional three pillars of retirement income are changing.\u003c/p\u003e\n\n\u003cp\u003eNCOA worked with the LeadingAge LTSS Center @UMass Boston to examine both the challenges and potential solutions. Our research analysis found that 80% of older adults are either financially struggling now or are at risk for economic insecurity in retirement.\u003c/p\u003e\n\n\u003ch2\u003eFinancial instability for U.S. older adults is too common\u003c/h2\u003e\n\n\u003cp\u003eOur \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/108ad617-addf-4d8d-9919-5197cc08b4e9/2024_Research_80_Report.pdf\" target=\"_blank\"\u003e2024 updated analysis\u003c/a\u003e\u0026nbsp;of data from the Health and Retirement Study found living independently in the community without some assistance is out of reach for most older adults. Nearly 50% of adults 60 and older had household incomes below the \u003ca href=\"https://www.ncoa.org/article/elder-index-the-measure-of-economic-security/\" target=\"_self\"\u003eElder Index\u003c/a\u003e value for where they lived. This means their average income was below the standard needed to afford basic needs. This was a nearly 5% increase in 2020 compared to data from just two years earlier.\u003c/p\u003e\n\n\u003cp\u003e\u0026quot;Financial insecurity has largely remained unchanged for those already most at-risk: in 2020, those in the bottom 20% had no wealth, and those in the next three quintiles (21% to 80%) saw a decrease in the value of their financial assets from 2018,\u0026quot; according to the 2024 analysis. \u0026quot;Financial patterns over the next several years would need to improve dramatically in order for most older Americans to maintain economic security in the face of rising living costs and increasing risks of financial shocks. While COVID-19 health and employment shocks may have contributed to the decline seen between 2018 and 2020, even if there is a return to modest improvements in 2022, the vast majority of older adults remain at financial risk.\u0026quot;\u003c/p\u003e\n\n\u003ch2\u003eU.S. wealth gap widening:\u0026nbsp;47 million older American households facing financial risks\u003c/h2\u003e\n\n\u003cp\u003eOur\u0026nbsp;\u003ca href=\"https://app.kontent.ai/ffacfe7d-10b6-0083-2632-604077fd4eca/content-inventory/assets/asset/87d539dd-1d53-4e91-8b00-f36b3d647732\" target=\"_blank\"\u003e2023 updated analysis\u003c/a\u003e revealed that most older Americans continue to lack the resources that would allow them to weather a \u0026quot;financial shock\u0026quot; such as a significant long-term care need, health issue, or loss of income due to divorce or widowhood. The\u0026nbsp;analysis of 2018 data previously found that 80%\u0026mdash;or 47 million households with\u0026nbsp;older adults\u0026mdash;are financially struggling today or are at risk of falling into economic insecurity as they age.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe updated analysis found that despite older adults\u0026#39; preference to age in place, 60% would be unable to afford two years of in-home long-term services and supports. And 45% of people 60 and older had household incomes below the Elder Index\u003cstrong\u003e\u003csup\u003e1\u003c/sup\u003e\u003c/strong\u003e value for their geography. In other words, their average income was below what they needed to afford basic living needs.\u003c/p\u003e\n\n\u003ch2\u003eThe true scope of financial insecurity in retirement\u003c/h2\u003e\n\n\u003cp\u003eTo better understand the financial landscape of older Americans, \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/302be397-f6e1-482b-ac71-ff2957dbe5bb/2021-FWP-DG02_The%2080_Issue%20Brief_FINAL.pdf\" target=\"_blank\"\u003eresearchers at NCOA and the LeadingAge LTSS Center @UMass Boston analyzed\u003c/a\u003e data from the Health and Retirement Study, a longitudinal panel study that surveys a representative sample of approximately 20,000 people in America, supported by the National Institute on Aging and Social Security Administration.\u003cstrong\u003e\u003csup\u003e2\u003c/sup\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe analysis discovered that 80% of households with older adults\u0026mdash;or 47 million\u0026mdash;are financially struggling today or are at risk of falling into economic insecurity as they age. And this trend is worsening over time, as 90% of older households experienced decreases in income and net value of wealth between 2014 and 2016.\u003c/p\u003e\n\n\u003ch2\u003eFour ways to help retirees make their money last\u003c/h2\u003e\n\n\u003cp\u003eCombined together, longer lives and lower savings are fueling a retirement security crisis for millions of Americans. It is worsened\u0026nbsp;by inflation, rising health care costs, and the fact that someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their lifetime.\u003cstrong\u003e\u003csup\u003e3\u003c/sup\u003e\u003c/strong\u003e Long-term care is expensive and not covered by Medicare.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/cb3ef5d5-2183-4720-bdb5-d0b5c4d848c2/2021-FWP-DG03_The%2080_White%20Paper_FINAL.pdf\" target=\"_blank\"\u003eThis white paper\u003c/a\u003e by NCOA, LeadingAge LTSS Center @UMass Boston, and Nationwide offers four ways to help retirees make their money last in retirement.\u003c/p\u003e\n\n\u003ch2\u003eSources\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. UMass Boston. Elder Index. Measuring the income older adults need to live independently. Found on the internet at\u0026nbsp;https://elderindex.org/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e2. University of Michigan institute for Social Research. Health and Retirement Study. Found on the internet at\u0026nbsp;https://hrs.isr.umich.edu/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e3. U.S. Administration for Community Living. How Much Care Will You Need? Found on the internet at\u0026nbsp;https://acl.gov/ltc/basic-needs/how-much-care-will-you-need\u003c/small\u003e\u003c/p\u003e\n","contentType":"article","displayDate":"Aug 30, 2024","rawDate":"2024-08-30T05:00:00.000Z","includeInSearch":"yes","month":"August","year":2024,"image":{"alt":"A jar filled with various coins has a sticky note with the words \"Retirement\" on it.","height":614,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/20707bb2-268a-4445-a2bb-e1afe0ce514f/Retirement-coin-jar_Hero_Getty-1146657942_2021-01_1336x614.jpg","type":"image/jpeg","width":1336},"title":"Addressing the Nation's Retirement Crisis: The 80%","url":"/article/addressing-the-nations-retirement-crisis-the-80-percent-financially-struggling/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"According to research, 80% of households with older adults—or 47 million—are financially struggling or are at risk of falling into economic insecurity in retirement.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"22ba754f-09b6-45bf-88a7-830d577c26b2","_snippetResult":{"content":{"value":"Today\u0026rsquo;s 65-year-old can expect to live another …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eToday\u0026rsquo;s 65-year-old can expect to live another 20 years, according to the Social Security Administration. This unprecedented gift of longevity brings with it exciting opportunities\u0026mdash;and a price tag. Unlike their parents and grandparents, today\u0026rsquo;s pre-retirees and retirees face a vastly different retirement security landscape. The traditional three pillars of retirement income are changing.\u003c/p\u003e\n\n\u003cp\u003eNCOA worked with the LeadingAge LTSS Center @UMass Boston to examine both the challenges and potential solutions. Our research analysis found that 80% of older adults are either financially struggling now or are at risk for economic insecurity in retirement.\u003c/p\u003e\n\n\u003ch2\u003eFinancial instability for U.S. older adults is too common\u003c/h2\u003e\n\n\u003cp\u003eOur \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/108ad617-addf-4d8d-9919-5197cc08b4e9/2024_Research_80_Report.pdf\" target=\"_blank\"\u003e2024 updated analysis\u003c/a\u003e\u0026nbsp;of data from the Health and Retirement Study found living independently in the community without some assistance is out of reach for most older adults. Nearly 50% of adults 60 and older had household incomes below the \u003ca href=\"https://www.ncoa.org/article/elder-index-the-measure-of-economic-security/\" target=\"_self\"\u003eElder Index\u003c/a\u003e value for where they lived. This means their average income was below the standard needed to afford basic needs. This was a nearly 5% increase in 2020 compared to data from just two years earlier.\u003c/p\u003e\n\n\u003cp\u003e\u0026quot;Financial insecurity has largely remained unchanged for those already most at-risk: in 2020, those in the bottom 20% had no wealth, and those in the next three quintiles (21% to 80%) saw a decrease in the value of their financial assets from 2018,\u0026quot; according to the 2024 analysis. \u0026quot;Financial patterns over the next several years would need to improve dramatically in order for most older Americans to maintain economic security in the face of rising living costs and increasing risks of financial shocks. While COVID-19 health and employment shocks may have contributed to the decline seen between 2018 and 2020, even if there is a return to modest improvements in 2022, the vast majority of older adults remain at financial risk.\u0026quot;\u003c/p\u003e\n\n\u003ch2\u003eU.S. wealth gap widening:\u0026nbsp;47 million older American households facing financial risks\u003c/h2\u003e\n\n\u003cp\u003eOur\u0026nbsp;\u003ca href=\"https://app.kontent.ai/ffacfe7d-10b6-0083-2632-604077fd4eca/content-inventory/assets/asset/87d539dd-1d53-4e91-8b00-f36b3d647732\" target=\"_blank\"\u003e2023 updated analysis\u003c/a\u003e revealed that most older Americans continue to lack the resources that would allow them to weather a \u0026quot;financial shock\u0026quot; such as a significant long-term care need, health issue, or loss of income due to divorce or widowhood. The\u0026nbsp;analysis of 2018 data previously found that 80%\u0026mdash;or 47 million households with\u0026nbsp;older adults\u0026mdash;are financially struggling today or are at risk of falling into economic insecurity as they age.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eThe updated analysis found that despite older adults' preference to age in place, 60% would be unable to afford two years of in-home long-term services and supports. And 45% of people 60 and older had household incomes below the Elder Index\u003cstrong\u003e\u003csup\u003e1\u003c/sup\u003e\u003c/strong\u003e value for their geography. In other words, their average income was below what they needed to afford basic living needs.\u003c/p\u003e\n\n\u003ch2\u003eThe true scope of financial insecurity in retirement\u003c/h2\u003e\n\n\u003cp\u003eTo better understand the financial landscape of older Americans, \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/302be397-f6e1-482b-ac71-ff2957dbe5bb/2021-FWP-DG02_The%2080_Issue%20Brief_FINAL.pdf\" target=\"_blank\"\u003eresearchers at NCOA and the LeadingAge LTSS Center @UMass Boston analyzed\u003c/a\u003e data from the Health and Retirement Study, a longitudinal panel study that surveys a representative sample of approximately 20,000 people in America, supported by the National Institute on Aging and Social Security Administration.\u003cstrong\u003e\u003csup\u003e2\u003c/sup\u003e\u003c/strong\u003e\u003c/p\u003e\n\n\u003cp\u003eThe analysis discovered that 80% of households with older adults\u0026mdash;or 47 million\u0026mdash;are financially struggling today or are at risk of falling into economic insecurity as they age. And this trend is worsening over time, as 90% of older households experienced decreases in income and net value of wealth between 2014 and 2016.\u003c/p\u003e\n\n\u003ch2\u003eFour ways to help retirees make their money last\u003c/h2\u003e\n\n\u003cp\u003eCombined together, longer lives and lower savings are fueling a retirement security crisis for millions of Americans. It is worsened\u0026nbsp;by inflation, rising health care costs, and the fact that someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their lifetime.\u003cstrong\u003e\u003csup\u003e3\u003c/sup\u003e\u003c/strong\u003e Long-term care is expensive and not covered by Medicare.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/cb3ef5d5-2183-4720-bdb5-d0b5c4d848c2/2021-FWP-DG03_The%2080_White%20Paper_FINAL.pdf\" target=\"_blank\"\u003eThis white paper\u003c/a\u003e by NCOA, LeadingAge LTSS Center @UMass Boston, and Nationwide offers four ways to help retirees make their money last in retirement.\u003c/p\u003e\n\n\u003ch2\u003eSources\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. UMass Boston. Elder Index. Measuring the income older adults need to live independently. Found on the internet at\u0026nbsp;https://elderindex.org/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e2. University of Michigan institute for Social Research. Health and Retirement Study. Found on the internet at\u0026nbsp;https://hrs.isr.umich.edu/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e3. U.S. Administration for Community Living. How Much Care Will You Need? Found on the internet at\u0026nbsp;https://acl.gov/ltc/basic-needs/how-much-care-will-you-need\u003c/small\u003e\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Addressing the Nation's Retirement Crisis: The 80%","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"According to research, 80% of households with older adults—or 47 million—are financially struggling or are at risk of falling into economic insecurity in retirement.","matchLevel":"none","matchedWords":[]}}},{"categories":["Research"],"content":"\u003cp\u003eMany of us look forward to turning age 65, not only because retirement is often right around the corner, but also because that\u0026#39;s when most people become eligible for health insurance coverage through Medicare. But for low-income Americans under age 65 who rely on the Medicaid program for either health insurance coverage or for program subsidies to assure health care is affordable, turning age 65 can present a significant risk.\u003c/p\u003e\n\n\u003cp\u003eThis is because eligibility criteria for the Medicaid program differ for people above and below age 65 and become\u0026nbsp;more stringent for people age 65 and over. For example, in most states, individuals who fall below 138% of the federal poverty level \u003ca href=\"https://aspe.hhs.gov/sites/default/files/documents/1c92a9207f3ed5915ca020d58fe77696/detailed-guidelines-2023.pdf\"\u003e(FPL\u003c/a\u003e) and have low assets are eligible for Medicaid before age 65, but this threshold often falls to \u003ca href=\"https://nohla.org/wordpress/img/pdf/medCliffREPORT7-2021/MedCliffFactSheet.pdf\"\u003e100% or below\u003c/a\u003e after age 65.\u003c/p\u003e\n\n\u003ch2\u003eWhat is the \u0026quot;Medicare Cliff\u0026quot;?\u003c/h2\u003e\n\n\u003cp\u003eThe loss of supplemental Medicaid coverage after age 65 means\u0026nbsp;such individuals face significantly more coverage gaps and out-of-pocket expenses in the form of premiums and co-payments for health care under Medicare. This phenomenon is known as the \u003ca href=\"https://www.healthaffairs.org/doi/10.1377/hlthaff.2020.02272\"\u003e\u0026ldquo;Medicare Cliff\u0026rdquo;\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eAbout \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\"\u003e280,000\u003c/a\u003e older adults hit the \u0026quot;Medicare Cliff\u0026quot; each year, losing their Medicaid coverage and previous help they had affording health insurance premiums and related health care costs. With health care costs being one of \u003ca href=\"https://www.healthsystemtracker.org/brief/the-burden-of-medical-debt-in-the-united-states/\"\u003ethe leading causes of bankruptcy in later life\u003c/a\u003e, Medicaid plays an important\u0026nbsp;role in providing access to health care for financially vulnerable individuals. Still, questions remain about whether the Medicaid program is reaching enough of these vulnerable individuals and what happens when it doesn\u0026rsquo;t.\u003c/p\u003e\n\n\u003ch2\u003eFalling off the \u0026ldquo;Medicare Cliff\u0026rdquo; means poor health outcomes\u003c/h2\u003e\n\n\u003cp\u003eRecent research shows that older adults who \u003ca href=\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8068502/\" target=\"_blank\"\u003eexperience the Medicare Cliff\u003c/a\u003e or are \u003ca href=\"https://www.tandfonline.com/doi/full/10.1080/08959420.2023.2195784\" target=\"_blank\"\u003eclose to meeting Medicaid eligibility criteria\u003c/a\u003e (but fall short of qualifying because of slightly higher income or assets) are very similar in demographic, health, and financial profiles to those who continue to be enrolled in Medicaid or become eligible for Medicaid at age 65. In other words, their characteristics closely match those of individuals who are already benefiting from the program. The question that has not been adequately answered until now is how these similarly vulnerable individuals are faring without Medicaid coverage compared to those who remain enrolled in the program as a supplemental coverage after age 65.\u003c/p\u003e\n\n\u003cp\u003eWe conducted a longitudinal analysis of older adults tracked in the 2012 through 2020 waves of the nationally representative \u003ca href=\"https://hrs.isr.umich.edu/about\" target=\"_blank\"\u003eHealth and Retirement Study\u003c/a\u003e (HRS) to compare key health trends during this time period to explore this question. Our intention was to identify those individuals who reported utilizing Medicaid coverage before age 65 and then lost it because their incomes were below 138% of the FPL once they reached age 65.\u003c/p\u003e\n\n\u003cp\u003eBecause health insurance coverage is tracked in the HRS, we could determine who was no longer utilizing the program.\u0026nbsp; In line with what has been observed in prior studies,\u003cstrong\u003e\u003csup\u003e1,2\u003c/sup\u003e\u003c/strong\u003e groups who experienced the Medicare Cliff (and who fell below 138% FPL) were substantially alike in characteristic profiles to those who remained enrolled in the Medicaid program after age 65.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eHowever, despite being so similar, these groups were markedly different in their health trends over time. \u0026nbsp;For example, over the eight-year period:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eThere was\u0026nbsp;a 15% decline in the proportion of people reporting that their health was fair or poor. In contrast, those in the Medicare Cliff group showed a \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\"\u003e13% increase\u003c/a\u003e in reporting fair or poor health. This is consistent with the fact that they also show the greatest increase in the number of chronic conditions over the period when compared to those continuously on Medicaid.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003ePeople who did not experience the Medicare Cliff and maintained continuous Medicaid coverage after age 65 also showed a notable 9% decrease in depression over time, compared to a 2% increase for the Medicare Cliff group.\u003c/li\u003e\n\t\u003cli\u003eBeing enrolled in Medicaid was significantly associated with 23% lower odds of depression by 2020 compared to those not utilizing Medicaid. Those in the Medicare Cliff group had\u0026nbsp; 17% higher odds of depression by 2020.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThese findings indicate that Medicaid is playing an important role in improving health among those who are enrolled in the program compared to those who are similarly vulnerable but unable to qualify once they reach age 65.\u003c/p\u003e\n\n\u003ch2\u003eIt costs beneficiaries a lot to fall off the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eFor individuals receiving Medicaid after age 65, the financial benefits are meaningful in terms of reducing out-of-pocket medical costs. On average, such costs for Medicaid beneficiaries decreased by $2,223 over the study period in contrast to increases of about $1,500 for individuals who lost their coverage when they turned 65.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eResults were similar even when controlling for sociodemographic characteristics. Being enrolled in Medicaid over the study period was significantly associated with a $2,060 decrease in out-of-pocket medical costs by 2020 compared to those who were not able to utilize Medicaid.\u003c/p\u003e\n\n\u003cp\u003eIn contrast, experiencing the Medicare Cliff was significantly associated with a $1,200 increase in such costs. It is not surprising that those experiencing the Medicare Cliff also saw a greater financial resource decline over time; they were less likely to retire and more likely to re-enter the workforce compared to those accessing Medicaid after age 65; it may be the case that they have to go back to work to make ends meet.\u003c/p\u003e\n\n\u003ch2\u003eWhat it would mean to find ways to eliminate the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eThese findings highlight that many older adults who share similar characteristic profiles to those enrolled in the Medicaid program after age 65 are at both health and financial disadvantages when they are unable to access the program because of closely missing eligibility criteria. Expanding Medicaid coverage to include more of these individuals could greatly improve well-being and reduce mortality rates. In fact, research has shown that prior Medicaid expansion under the Affordable Care Act \u003ca href=\"https://www.nber.org/system/files/working_papers/w26081/w26081.pdf\"\u003eprevented nearly 20,000 premature deaths among older adults\u003c/a\u003e. Put simply, eliminating the Medicare Cliff can both improve health outcomes as well as reduce financial liabilities.\u0026nbsp;\u003c/p\u003e\n\n\u003ch2\u003eHow we eliminate the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eAs policymakers strive to improve access to affordable health care for vulnerable older adults, it is important to consider adjustments to eligibility criteria as a way of widening the social safety net that Medicaid provides.\u0026nbsp; For starters, there are serious considerations to be made about continuing to base financial eligibility for Medicaid on the outdated FPL measure.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eIt is time to begin reexamining the current eligibility criteria and understanding the implications of adjusting thresholds to better account for the realities of the increases in basic cost of living.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eAs a first step\u003ca href=\"https://doi.org/10.1080/08959420.2023.2195784\"\u003e, income limits could be raised to 138%\u003c/a\u003e of the FPL, and Medicaid resource limits could be eliminated after age 65 so that there are no coverage discontinuities in Medicaid eligibility above and below age 65.\u003c/p\u003e\n\n\u003cp\u003eAt the same time, one of the ways to improve the affordability of Medicare premiums, deductibles, copayments, and coinsurance for low income older adults is by facilitating access to \u003ca href=\"https://www.medicare.gov/medicare-savings-programs\"\u003eMedicare Savings Programs\u003c/a\u003e (MSP). These plans are\u0026nbsp;federally funded programs administered by each individual state. Enrollment in MSPs have increased significantly, according to the \u003ca href=\"https://www.macpac.gov/publication/medicare-savings-programs-enrollment-trends/\"\u003eMedicaid and CHIP Payment and Access Commission (MACPAC)\u003c/a\u003e, and the majority of dually eligible beneficiaries are enrolled in an MSP.\u003c/p\u003e\n\n\u003cp\u003eAnd there is still opportunity to enhance existing outreach, education, and the enrollment process for these programs to further close the gap between eligibility and enrollment. Recognizing this, CMS has implemented \u003ca href=\"https://www.federalregister.gov/documents/2023/09/21/2023-20382/streamlining-medicaid-medicare-savings-program-eligibility-determination-and-enrollment\"\u003ea recent rule\u003c/a\u003e that simplifies processes for eligible individuals to enroll and retain eligibility in the Medicare Savings Programs (MSPs) and it also reduces the complexity in the application and reenrollment process.\u003c/p\u003e\n\n\u003cp\u003eFinally, expanding eligibility for such programs among low income groups by increasing income limits and removing asset limits would have a \u003ca href=\"https://www.commonwealthfund.org/publications/issue-briefs/2017/may/medicare-beneficiaries-high-out-pocket-costs-cost-burdens-income\"\u003emajor impact \u003c/a\u003eon \u003ca href=\"https://www.aarp.org/pri/topics/health/coverage-access/medicare-savings-program-enrollment-increases-when-states-expand/\"\u003eprogram beneficiaries\u003c/a\u003e. All such approaches are designed to avoid the personal and societal impacts that occur when access to care and health outcomes are compromised for those facing the Medicare Cliff and for other low-income older adults.\u003c/p\u003e\n\n\u003cp\u003e\u003cmeta charset=\"UTF-8\" /\u003eThis analysis builds off of \u003ca href=\"https://www.ncoa.org/article/standing-back-from-the-medicare-cliff-research-and-policy-options-to-help-low-income-older-adults/\" target=\"_self\"\u003eresearch published earlier this year\u003c/a\u003e\u0026nbsp;that explains more about the Medicare Cliff, who it impacts, and policy experts\u0026rsquo; recommendations to eliminate the Cliff through different policy interventions.\u003c/p\u003e\n\n\u003ch2\u003eSources\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. Eric T. Roberts, PhD, et al. Medicare Coverage \u0026#39;Cliff\u0026#39; Increases Expenses And Decreases Care For Near-Poor Medicare Beneficiaries. Health Affairs. April 2021. Found on the internet at\u0026nbsp;https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8068502/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e2. Marc A. Cohen, PhD, and Jane Tavares, PhD. How Medicaid Financial Eligibility Rules Exclude Financially and Medically Vulnerable Older Adults. Journal of Aging \u0026amp; Social Policy. March 2023. Found on the internet at\u0026nbsp;https://www.tandfonline.com/doi/full/10.1080/08959420.2023.2195784\u003c/small\u003e\u003c/p\u003e\n","contentType":"article","displayDate":"Aug 26, 2024","rawDate":"2024-08-26T05:00:00.000Z","includeInSearch":"yes","month":"August","year":2024,"image":{"alt":"bag of money at the edge of a cracked cliff","height":481,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/8c3097e2-1c26-497b-9e0f-65c63409a220/Medicare-Cliff-HRS-Analysis-iStock-1074061934-2024-8-Hero-854x480.jpg","type":"image/jpeg","width":855},"title":"Building a Bridge to Avoid the “Medicare Cliff” That Harms Older Adults","url":"/article/building-a-bridge-to-avoid-the-medicare-cliff-that-harms-older-adults/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"Low-income older adults can lose their Medicaid coverage when they turn 65, and falling off this \"Medicare Cliff\" can have dire health consequences. Here are some potential solutions.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"ce161e7b-8989-4717-bd71-da5f6622934f","_snippetResult":{"content":{"value":"Many of us look forward to turning age 65, not …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eMany of us look forward to turning age 65, not only because retirement is often right around the corner, but also because that's when most people become eligible for health insurance coverage through Medicare. But for low-income Americans under age 65 who rely on the Medicaid program for either health insurance coverage or for program subsidies to assure health care is affordable, turning age 65 can present a significant risk.\u003c/p\u003e\n\n\u003cp\u003eThis is because eligibility criteria for the Medicaid program differ for people above and below age 65 and become\u0026nbsp;more stringent for people age 65 and over. For example, in most states, individuals who fall below 138% of the federal poverty level \u003ca href=\"https://aspe.hhs.gov/sites/default/files/documents/1c92a9207f3ed5915ca020d58fe77696/detailed-guidelines-2023.pdf\"\u003e(FPL\u003c/a\u003e) and have low assets are eligible for Medicaid before age 65, but this threshold often falls to \u003ca href=\"https://nohla.org/wordpress/img/pdf/medCliffREPORT7-2021/MedCliffFactSheet.pdf\"\u003e100% or below\u003c/a\u003e after age 65.\u003c/p\u003e\n\n\u003ch2\u003eWhat is the \u0026quot;Medicare Cliff\u0026quot;?\u003c/h2\u003e\n\n\u003cp\u003eThe loss of supplemental Medicaid coverage after age 65 means\u0026nbsp;such individuals face significantly more coverage gaps and out-of-pocket expenses in the form of premiums and co-payments for health care under Medicare. This phenomenon is known as the \u003ca href=\"https://www.healthaffairs.org/doi/10.1377/hlthaff.2020.02272\"\u003e\u0026ldquo;Medicare Cliff\u0026rdquo;\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003eAbout \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\"\u003e280,000\u003c/a\u003e older adults hit the \u0026quot;Medicare Cliff\u0026quot; each year, losing their Medicaid coverage and previous help they had affording health insurance premiums and related health care costs. With health care costs being one of \u003ca href=\"https://www.healthsystemtracker.org/brief/the-burden-of-medical-debt-in-the-united-states/\"\u003ethe leading causes of bankruptcy in later life\u003c/a\u003e, Medicaid plays an important\u0026nbsp;role in providing access to health care for financially vulnerable individuals. Still, questions remain about whether the Medicaid program is reaching enough of these vulnerable individuals and what happens when it doesn\u0026rsquo;t.\u003c/p\u003e\n\n\u003ch2\u003eFalling off the \u0026ldquo;Medicare Cliff\u0026rdquo; means poor health outcomes\u003c/h2\u003e\n\n\u003cp\u003eRecent research shows that older adults who \u003ca href=\"https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8068502/\" target=\"_blank\"\u003eexperience the Medicare Cliff\u003c/a\u003e or are \u003ca href=\"https://www.tandfonline.com/doi/full/10.1080/08959420.2023.2195784\" target=\"_blank\"\u003eclose to meeting Medicaid eligibility criteria\u003c/a\u003e (but fall short of qualifying because of slightly higher income or assets) are very similar in demographic, health, and financial profiles to those who continue to be enrolled in Medicaid or become eligible for Medicaid at age 65. In other words, their characteristics closely match those of individuals who are already benefiting from the program. The question that has not been adequately answered until now is how these similarly vulnerable individuals are faring without Medicaid coverage compared to those who remain enrolled in the program as a supplemental coverage after age 65.\u003c/p\u003e\n\n\u003cp\u003eWe conducted a longitudinal analysis of older adults tracked in the 2012 through 2020 waves of the nationally representative \u003ca href=\"https://hrs.isr.umich.edu/about\" target=\"_blank\"\u003eHealth and Retirement Study\u003c/a\u003e (HRS) to compare key health trends during this time period to explore this question. Our intention was to identify those individuals who reported utilizing Medicaid coverage before age 65 and then lost it because their incomes were below 138% of the FPL once they reached age 65.\u003c/p\u003e\n\n\u003cp\u003eBecause health insurance coverage is tracked in the HRS, we could determine who was no longer utilizing the program.\u0026nbsp; In line with what has been observed in prior studies,\u003cstrong\u003e\u003csup\u003e1,2\u003c/sup\u003e\u003c/strong\u003e groups who experienced the Medicare Cliff (and who fell below 138% FPL) were substantially alike in characteristic profiles to those who remained enrolled in the Medicaid program after age 65.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eHowever, despite being so similar, these groups were markedly different in their health trends over time. \u0026nbsp;For example, over the eight-year period:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eThere was\u0026nbsp;a 15% decline in the proportion of people reporting that their health was fair or poor. In contrast, those in the Medicare Cliff group showed a \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\"\u003e13% increase\u003c/a\u003e in reporting fair or poor health. This is consistent with the fact that they also show the greatest increase in the number of chronic conditions over the period when compared to those continuously on Medicaid.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003ePeople who did not experience the Medicare Cliff and maintained continuous Medicaid coverage after age 65 also showed a notable 9% decrease in depression over time, compared to a 2% increase for the Medicare Cliff group.\u003c/li\u003e\n\t\u003cli\u003eBeing enrolled in Medicaid was significantly associated with 23% lower odds of depression by 2020 compared to those not utilizing Medicaid. Those in the Medicare Cliff group had\u0026nbsp; 17% higher odds of depression by 2020.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eThese findings indicate that Medicaid is playing an important role in improving health among those who are enrolled in the program compared to those who are similarly vulnerable but unable to qualify once they reach age 65.\u003c/p\u003e\n\n\u003ch2\u003eIt costs beneficiaries a lot to fall off the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eFor individuals receiving Medicaid after age 65, the financial benefits are meaningful in terms of reducing out-of-pocket medical costs. On average, such costs for Medicaid beneficiaries decreased by $2,223 over the study period in contrast to increases of about $1,500 for individuals who lost their coverage when they turned 65.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eResults were similar even when controlling for sociodemographic characteristics. Being enrolled in Medicaid over the study period was significantly associated with a $2,060 decrease in out-of-pocket medical costs by 2020 compared to those who were not able to utilize Medicaid.\u003c/p\u003e\n\n\u003cp\u003eIn contrast, experiencing the Medicare Cliff was significantly associated with a $1,200 increase in such costs. It is not surprising that those experiencing the Medicare Cliff also saw a greater financial resource decline over time; they were less likely to retire and more likely to re-enter the workforce compared to those accessing Medicaid after age 65; it may be the case that they have to go back to work to make ends meet.\u003c/p\u003e\n\n\u003ch2\u003eWhat it would mean to find ways to eliminate the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eThese findings highlight that many older adults who share similar characteristic profiles to those enrolled in the Medicaid program after age 65 are at both health and financial disadvantages when they are unable to access the program because of closely missing eligibility criteria. Expanding Medicaid coverage to include more of these individuals could greatly improve well-being and reduce mortality rates. In fact, research has shown that prior Medicaid expansion under the Affordable Care Act \u003ca href=\"https://www.nber.org/system/files/working_papers/w26081/w26081.pdf\"\u003eprevented nearly 20,000 premature deaths among older adults\u003c/a\u003e. Put simply, eliminating the Medicare Cliff can both improve health outcomes as well as reduce financial liabilities.\u0026nbsp;\u003c/p\u003e\n\n\u003ch2\u003eHow we eliminate the Medicare Cliff\u003c/h2\u003e\n\n\u003cp\u003eAs policymakers strive to improve access to affordable health care for vulnerable older adults, it is important to consider adjustments to eligibility criteria as a way of widening the social safety net that Medicaid provides.\u0026nbsp; For starters, there are serious considerations to be made about continuing to base financial eligibility for Medicaid on the outdated FPL measure.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eIt is time to begin reexamining the current eligibility criteria and understanding the implications of adjusting thresholds to better account for the realities of the increases in basic cost of living.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eAs a first step\u003ca href=\"https://doi.org/10.1080/08959420.2023.2195784\"\u003e, income limits could be raised to 138%\u003c/a\u003e of the FPL, and Medicaid resource limits could be eliminated after age 65 so that there are no coverage discontinuities in Medicaid eligibility above and below age 65.\u003c/p\u003e\n\n\u003cp\u003eAt the same time, one of the ways to improve the affordability of Medicare premiums, deductibles, copayments, and coinsurance for low income older adults is by facilitating access to \u003ca href=\"https://www.medicare.gov/medicare-savings-programs\"\u003eMedicare Savings Programs\u003c/a\u003e (MSP). These plans are\u0026nbsp;federally funded programs administered by each individual state. Enrollment in MSPs have increased significantly, according to the \u003ca href=\"https://www.macpac.gov/publication/medicare-savings-programs-enrollment-trends/\"\u003eMedicaid and CHIP Payment and Access Commission (MACPAC)\u003c/a\u003e, and the majority of dually eligible beneficiaries are enrolled in an MSP.\u003c/p\u003e\n\n\u003cp\u003eAnd there is still opportunity to enhance existing outreach, education, and the enrollment process for these programs to further close the gap between eligibility and enrollment. Recognizing this, CMS has implemented \u003ca href=\"https://www.federalregister.gov/documents/2023/09/21/2023-20382/streamlining-medicaid-medicare-savings-program-eligibility-determination-and-enrollment\"\u003ea recent rule\u003c/a\u003e that simplifies processes for eligible individuals to enroll and retain eligibility in the Medicare Savings Programs (MSPs) and it also reduces the complexity in the application and reenrollment process.\u003c/p\u003e\n\n\u003cp\u003eFinally, expanding eligibility for such programs among low income groups by increasing income limits and removing asset limits would have a \u003ca href=\"https://www.commonwealthfund.org/publications/issue-briefs/2017/may/medicare-beneficiaries-high-out-pocket-costs-cost-burdens-income\"\u003emajor impact \u003c/a\u003eon \u003ca href=\"https://www.aarp.org/pri/topics/health/coverage-access/medicare-savings-program-enrollment-increases-when-states-expand/\"\u003eprogram beneficiaries\u003c/a\u003e. All such approaches are designed to avoid the personal and societal impacts that occur when access to care and health outcomes are compromised for those facing the Medicare Cliff and for other low-income older adults.\u003c/p\u003e\n\n\u003cp\u003e\u003cmeta charset=\"UTF-8\" /\u003eThis analysis builds off of \u003ca href=\"https://www.ncoa.org/article/standing-back-from-the-medicare-cliff-research-and-policy-options-to-help-low-income-older-adults/\" target=\"_self\"\u003eresearch published earlier this year\u003c/a\u003e\u0026nbsp;that explains more about the Medicare Cliff, who it impacts, and policy experts\u0026rsquo; recommendations to eliminate the Cliff through different policy interventions.\u003c/p\u003e\n\n\u003ch2\u003eSources\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. Eric T. Roberts, PhD, et al. Medicare Coverage 'Cliff' Increases Expenses And Decreases Care For Near-Poor Medicare Beneficiaries. Health Affairs. April 2021. Found on the internet at\u0026nbsp;https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8068502/\u003c/small\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003csmall\u003e2. Marc A. Cohen, PhD, and Jane Tavares, PhD. How Medicaid Financial Eligibility Rules Exclude Financially and Medically Vulnerable Older Adults. Journal of Aging \u0026amp; Social Policy. March 2023. Found on the internet at\u0026nbsp;https://www.tandfonline.com/doi/full/10.1080/08959420.2023.2195784\u003c/small\u003e\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Building a Bridge to Avoid the “Medicare Cliff” That Harms Older Adults","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"Low-income older adults can lose their Medicaid coverage when they turn 65, and falling off this \"Medicare Cliff\" can have dire health consequences. Here are some potential solutions.","matchLevel":"none","matchedWords":[]}}},{"categories":["Research"],"content":"\u003cp\u003eWith the passage of the Affordable Care Act, many states expanded access to Medicaid for low-income adults ages 19 to 64 with incomes up to 138% of the federal poverty level. As these individuals relying on expanded Medicaid become eligible for Medicare, they may lose their Medicaid coverage and be unable to afford the higher Medicare premiums, deductibles, and co-payments.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eThis disruption in coverage\u0026mdash;known as the \u0026ldquo;Medicare Cliff\u0026rdquo;\u0026mdash;and the resulting financial shock can be particularly difficult for those with the lowest incomes who tend to be single women, people of color, and people with complex medical conditions or functional limitations.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eNCOA\u0026#39;s research with the Leading Age LTSS Center @UMASS Boston analyzed\u0026nbsp;what happens to people facing the Medicare Cliff. \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/0422c3fb-2995-4140-80a2-0beebd0cf0c7/Standing_Back_from_the_Medicare_Cliff_infographic.pdf\" target=\"_blank\"\u003eCheck out our key findings and potential solutions\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2\u003eWho is facing the Medicare Cliff?\u003c/h2\u003e\n\n\u003cp\u003eThe Medicare Cliff population is more likely to be female, retired, and facing difficult affordability and health coverage challenges. The research found that this population faces several vulnerabilities:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eThey have significantly higher out-of-pocket medical costs compared to individuals dually eligible for Medicare and Medicaid, and those with Medicare only.\u003c/li\u003e\n\t\u003cli\u003eThe Medicare Cliff population also experienced greater financial resource decline over time, with a diminishing median net worth.\u003c/li\u003e\n\t\u003cli\u003eIn the two years after hitting the Medicare Cliff, these individuals experienced a substantial worsening of their health.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2\u003eWhat are some potential solutions?\u003c/h2\u003e\n\n\u003cp\u003eInterviews with those who faced the Medicare Cliff revealed that they encountered confusing (and sometimes conflicting) communication about the transition between Medicaid and Medicare; could have benefitted from additional counseling assistance, such as that provided by State Health Insurance Assistance Programs (SHIPs); and often were forced to cut expenses in other areas to make ends meet.\u003c/p\u003e\n\n\u003cp\u003eThree major areas for policy reform emerged from the research:\u003c/p\u003e\n\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eAllowing the Medicare Cliff population to maintain Medicaid eligibility as they enter Medicare\u003c/li\u003e\n\t\u003cli\u003eImproving the education and enrollment process for MSPs without changing eligibility criteria\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eChanging eligibility criteria for MSPs to remove or raise the asset limit, and/or synchronize the income eligibility threshold with other benefits\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eA vital next step is to identify the costs associated with the various policy reform(s) to be pursued to identify and evaluate the possibilities for an offset.\u0026nbsp;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eThe team identified the following as possible next steps to complement the research and explore further the implications of proposed policy reforms:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eConvene states with \u0026ldquo;best practices\u0026rdquo; regarding consumer outreach and education with those states that are struggling and enabling a transfer of knowledge\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eGrant funding to test and develop improved SHIP training, communication pieces, website material, and to identify other best practices that can further enable SHIPs to better counselthis population\u003c/li\u003e\n\t\u003cli\u003eHost a working policy forum, with experts from states, think tanks, advocacy organizations, consumers, and academia to help identify and prioritize policy objectives and policy reforms\u003c/li\u003e\n\t\u003cli\u003eInvest in analysis and modeling to drill down on the policy recommendations coming out of this report, identify the cost implications (both savings to the system and additional costs from increased enrollment), and the sources of revenue to support these policy reforms\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/467f43a0-d595-483b-8fdb-be068ab9cbbf/2024_Medicare_Cliff_Report.pdf\" target=\"_blank\"\u003eRead the full report\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2\u003eOther Medicare Cliff report resources\u003c/h2\u003e\n\n\u003cp\u003eDownload and share our:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/7b05e2f8-0902-43a9-bf47-d28eab4d8dc3/2024_Medicare_Cliff_Report_FactSheet.pdf\"\u003eLow-Income Older Adults Facing the Medicare Cliff: A Summary of the Research\u003c/a\u003e (fact sheet)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/7c24eeb0-d4d5-4ca8-83ca-7e7c601ff523/2024_Medicare_Cliff_Research_Results.pdf\" target=\"_blank\"\u003eStanding Back from the Medicare Cliff\u003c/a\u003e (summary presentation)\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAnd learn more about the first phase of this research project, \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\" target=\"_blank\"\u003eAvoiding the Medicare Cliff: A Profile of Older Adults\u003c/a\u003e.\u003c/p\u003e\n","contentType":"article","displayDate":"May 22, 2024","rawDate":"2024-05-22T05:00:00.000Z","includeInSearch":"yes","month":"May","year":2024,"image":{"alt":"What to Do About the Medicare Cliff","height":615,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/cebec823-49cb-4d58-98c9-2c31d9e498f2/Medicare-Cliff-Report-StandardPage-2024-5-Hero-1336x614.jpg","type":"image/jpeg","width":1337},"title":"Standing Back from the Medicare Cliff: Research and Policy Options to Help Low-Income Older Adults","url":"/article/standing-back-from-the-medicare-cliff-research-and-policy-options-to-help-low-income-older-adults/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"Some low-income older adults lose their Medicaid coverage when they turn 65 and transition to Medicare. Our research looks into who falls off the \"Medicare Cliff\" and potential solutions and next steps.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"91890b1e-6e56-4e0d-a21f-97e34e406171","_snippetResult":{"content":{"value":"With the passage of the Affordable Care Act, many states …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eWith the passage of the Affordable Care Act, many states expanded access to Medicaid for low-income adults ages 19 to 64 with incomes up to 138% of the federal poverty level. As these individuals relying on expanded Medicaid become eligible for Medicare, they may lose their Medicaid coverage and be unable to afford the higher Medicare premiums, deductibles, and co-payments.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eThis disruption in coverage\u0026mdash;known as the \u0026ldquo;Medicare Cliff\u0026rdquo;\u0026mdash;and the resulting financial shock can be particularly difficult for those with the lowest incomes who tend to be single women, people of color, and people with complex medical conditions or functional limitations.\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eNCOA's research with the Leading Age LTSS Center @UMASS Boston analyzed\u0026nbsp;what happens to people facing the Medicare Cliff. \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/0422c3fb-2995-4140-80a2-0beebd0cf0c7/Standing_Back_from_the_Medicare_Cliff_infographic.pdf\" target=\"_blank\"\u003eCheck out our key findings and potential solutions\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2\u003eWho is facing the Medicare Cliff?\u003c/h2\u003e\n\n\u003cp\u003eThe Medicare Cliff population is more likely to be female, retired, and facing difficult affordability and health coverage challenges. The research found that this population faces several vulnerabilities:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eThey have significantly higher out-of-pocket medical costs compared to individuals dually eligible for Medicare and Medicaid, and those with Medicare only.\u003c/li\u003e\n\t\u003cli\u003eThe Medicare Cliff population also experienced greater financial resource decline over time, with a diminishing median net worth.\u003c/li\u003e\n\t\u003cli\u003eIn the two years after hitting the Medicare Cliff, these individuals experienced a substantial worsening of their health.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2\u003eWhat are some potential solutions?\u003c/h2\u003e\n\n\u003cp\u003eInterviews with those who faced the Medicare Cliff revealed that they encountered confusing (and sometimes conflicting) communication about the transition between Medicaid and Medicare; could have benefitted from additional counseling assistance, such as that provided by State Health Insurance Assistance Programs (SHIPs); and often were forced to cut expenses in other areas to make ends meet.\u003c/p\u003e\n\n\u003cp\u003eThree major areas for policy reform emerged from the research:\u003c/p\u003e\n\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eAllowing the Medicare Cliff population to maintain Medicaid eligibility as they enter Medicare\u003c/li\u003e\n\t\u003cli\u003eImproving the education and enrollment process for MSPs without changing eligibility criteria\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eChanging eligibility criteria for MSPs to remove or raise the asset limit, and/or synchronize the income eligibility threshold with other benefits\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eA vital next step is to identify the costs associated with the various policy reform(s) to be pursued to identify and evaluate the possibilities for an offset.\u0026nbsp;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eThe team identified the following as possible next steps to complement the research and explore further the implications of proposed policy reforms:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eConvene states with \u0026ldquo;best practices\u0026rdquo; regarding consumer outreach and education with those states that are struggling and enabling a transfer of knowledge\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eGrant funding to test and develop improved SHIP training, communication pieces, website material, and to identify other best practices that can further enable SHIPs to better counselthis population\u003c/li\u003e\n\t\u003cli\u003eHost a working policy forum, with experts from states, think tanks, advocacy organizations, consumers, and academia to help identify and prioritize policy objectives and policy reforms\u003c/li\u003e\n\t\u003cli\u003eInvest in analysis and modeling to drill down on the policy recommendations coming out of this report, identify the cost implications (both savings to the system and additional costs from increased enrollment), and the sources of revenue to support these policy reforms\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/467f43a0-d595-483b-8fdb-be068ab9cbbf/2024_Medicare_Cliff_Report.pdf\" target=\"_blank\"\u003eRead the full report\u003c/a\u003e.\u003c/p\u003e\n\n\u003ch2\u003eOther Medicare Cliff report resources\u003c/h2\u003e\n\n\u003cp\u003eDownload and share our:\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/7b05e2f8-0902-43a9-bf47-d28eab4d8dc3/2024_Medicare_Cliff_Report_FactSheet.pdf\"\u003eLow-Income Older Adults Facing the Medicare Cliff: A Summary of the Research\u003c/a\u003e (fact sheet)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/7c24eeb0-d4d5-4ca8-83ca-7e7c601ff523/2024_Medicare_Cliff_Research_Results.pdf\" target=\"_blank\"\u003eStanding Back from the Medicare Cliff\u003c/a\u003e (summary presentation)\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003eAnd learn more about the first phase of this research project, \u003ca href=\"https://www.ncoa.org/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults\" target=\"_blank\"\u003eAvoiding the Medicare Cliff: A Profile of Older Adults\u003c/a\u003e.\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Standing Back from the Medicare Cliff: Research and Policy Options to Help Low-Income Older Adults","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"Some low-income older adults lose their Medicaid coverage when they turn 65 and transition to Medicare. Our research looks into who falls off the \"Medicare Cliff\" and potential solutions and next steps.","matchLevel":"none","matchedWords":[]}}},{"categories":["Press Releases","Research"],"content":"\u003cp\u003e\u003cem\u003e\u003cstrong\u003eNational survey of women ages 25+ finds strong bipartisan support for improving Medicare to cover home care and treatment for chronic diseases\u003c/strong\u003e\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eContact:\u003c/strong\u003e\u003cbr /\u003e\nSimona Combi\u003cbr /\u003e\nPublic Relations Manager\u003cbr /\u003e\n571-527-3982\u003cbr /\u003e\n\u003ca href=\"mailto:simona.combi@ncoa.org\"\u003esimona.combi@ncoa.org\u003c/a\u003e\u003c/p\u003e\n\n\u003ch2\u003eKey takeaways\u003c/h2\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eHalf of women say they feel \u0026ldquo;uncertain\u0026rdquo; or \u0026ldquo;worried\u0026rdquo; when they think about how prepared they are for health costs later in life, and low-income and rural women report challenges to staying healthy today.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eCompared to 2023, fewer women consider themselves financially secure, and they are not confident about how to plan and save for retirement, with the cost of housing and cuts to Medicare and Social Security being top concerns.\u003c/li\u003e\n\t\u003cli\u003eOf 12 federal policies tested, the most important for women are providing government assistance for low-income adults, improving Medicare and Medicaid to cover home care, and expanding Medicare to cover the full range of treatments for chronic diseases.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eArlington, VA (April 16, 2024)\u0026mdash;A national survey of women ages 25+, commissioned by the \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003eNational Council on Aging\u003c/a\u003e (NCOA) and \u003ca href=\"https://wiserwomen.org/\" target=\"_blank\"\u003eWomen\u0026rsquo;s Institute for a Secure Retirement\u003c/a\u003e (WISER), finds that American women continue to face significant economic stress, and they are concerned about how to pay for health care and other daily expenses in retirement. Across demographic and party lines, women express strong bipartisan support for federal policy solutions that could help.\u003c/p\u003e\n\n\u003cp\u003eFor the second year in a row, \u003ca href=\"https://www.ncoa.org/page/what-women-say-about-their-finances\" target=\"_blank\"\u003eWhat Women Say\u0026trade;: Insights and Policy Solutions for Lifelong Security\u003c/a\u003e asked women about their financial situation today and how they feel about their future. This year\u0026rsquo;s survey also included a new set of questions about women\u0026rsquo;s health. The online poll\u0026mdash;conducted by the bipartisan team of \u003ca href=\"https://pos.org/\" target=\"_blank\"\u003ePublic Opinion Strategies\u003c/a\u003e and \u003ca href=\"https://www.lakeresearch.com/\" target=\"_blank\"\u003eLake Research Partners\u003c/a\u003e\u0026mdash;also explored women\u0026rsquo;s support for 12 potential policy solutions.\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;Health and financial security are the bedrocks of a good quality of life\u0026mdash;regardless of age,\u0026rdquo; said \u003ca href=\"https://www.ncoa.org/page/ramsey-alwin\"\u003eRamsey Alwin\u003c/a\u003e, NCOA President and CEO.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003e\u0026ldquo;It\u0026rsquo;s troubling to hear that women across the lifespan\u0026mdash;especially those with lower incomes\u0026mdash;continue to struggle, making it extremely difficult for them to prepare for retirement. We must do more to ensure every woman has the resources to age well.\u0026rdquo;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003e\u0026ldquo;The survey points to ways we can change women\u0026rsquo;s retirement prospects,\u0026rdquo; said \u003ca href=\"https://wiserwomen.org/about-us/staff-directory/cindy-hounsell/\" target=\"_blank\"\u003eCindy Hounsell\u003c/a\u003e, President of WISER. \u0026ldquo;We can remove the barriers and improve the safety net that so many low- and moderate-income women depend on. We can increase access to retirement plans and provide outreach and information to help women improve their financial decision-making. Clearly, we must begin to make the future more secure for women of all ages and incomes.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eKey Health Findings\u003c/h2\u003e\n\n\u003cp\u003eWomen are candid about their fears and concerns when it comes to their health.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eFrom a list of words, women select \u0026ldquo;uncertain\u0026rdquo; and \u0026ldquo;worried\u0026rdquo; the most when asked how prepared they are for health costs later in life.\u003c/li\u003e\n\t\u003cli\u003eWomen rate their general health worse than their mental health, and low-income and rural women rate their general and mental health a net negative.\u003c/li\u003e\n\t\u003cli\u003eIn the past year, roughly 1 in 3 women report having experienced delays in access to health care or food insecurity issues, and 1 in 5 report delays in filling prescription medicines.\u003c/li\u003e\n\t\u003cli\u003eWomen view having a low-income as the most negative influence on a person\u0026rsquo;s health. Being a woman, having a low education, and being Black or Hispanic are also viewed as net negatives.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003ch2\u003eKey Financial Security Findings\u003c/h2\u003e\n\n\u003cp\u003eFor the second year in a row, American women report substantial economic stress.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eLess than half (49%) of women and only one-third of rural women report having saved for retirement.\u003c/li\u003e\n\t\u003cli\u003eMajorities report they are not financially secure, including 79% of low-income women and 67% of rural women.\u003c/li\u003e\n\t\u003cli\u003eLow-income White and Hispanic women report their financial security to be worse compared to last year.\u003c/li\u003e\n\t\u003cli\u003eMore than 7 in 10 low-income women say they are not confident about their ability to plan and save for retirement.\u003c/li\u003e\n\t\u003cli\u003eRoughly one-third of all women and half (49%) of low-income women say their retirement income or savings will not be enough to pay their monthly bills\u0026mdash;an increase from 2023.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;Nearly 6 in 10 (59%) women and 81% of low-income women told us they do not make enough money right now to save for retirement,\u0026rdquo; said \u003ca href=\"https://pos.org/partners/bill-mcinturff/\" target=\"_blank\"\u003eBill McInturff\u003c/a\u003e, Partner at Public Opinion Strategies. \u0026ldquo;Food insecurity also is a reality for about half of low-income Hispanic and White women. These facts directly impact a woman\u0026rsquo;s ability to plan and save for retirement.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eSupport for Policy Solutions\u003c/h2\u003e\n\n\u003cp\u003eThe survey asked women to express their level of support for 12 potential policy solutions, understanding that these new solutions would likely have a cost associated with them and may require new federal government spending or reductions in spending on other federal programs in order to pay for them. Across party and demographic lines, vast majorities of women supported the solutions. The top 8 include:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMedicare proposals\u003c/strong\u003e\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eExpand Medicare coverage, so beneficiaries have access to the full range of care and treatments for serious chronic diseases. (69% strongly support, 95% total support)\u003c/li\u003e\n\t\u003cli\u003eImprove Medicare and Medicaid to better ensure that older adults have the option to receive care at home rather than having to go into a nursing home. (68% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eStrengthen Medicare efforts to help low-income older adults sign up for benefits they are eligible for but are not currently receiving. (67% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eStrengthen Medicare by adding health promotion and disease prevention programs to help people better manage their chronic diseases, lessen their risk of falls, and reduce social isolation. (65% strongly support, 94% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eNon-Medicare proposals\u003c/strong\u003e\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eProvide a tax break to family caregivers to help cover the out-of-pocket costs of providing care to a seriously ill, disabled, or elderly loved one. (66% strongly support, 96% total support)\u003c/li\u003e\n\t\u003cli\u003eModernize and update the federal Supplemental Security Income program that pays monthly benefits to people with limited income and resources who are disabled, blind, or age 65 or older. (66% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide government assistance to lower income older adults to help pay for basic needs, such as food, housing, and transportation. (64% strongly support, 93% total support)\u003c/li\u003e\n\t\u003cli\u003eAddress elder care and disability care workforce shortages by ensuring that home care workers receive a livable and competitive wage of at least $18-$20/per hour along with health insurance, retirement, and other key employment benefits. (62% strongly support, 92% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;For six of the policy proposals we tested in 2023 and 2024, the intensity of support increased,\u0026rdquo; said \u003ca href=\"https://www.lakeresearch.com/celinda-lake\" target=\"_blank\"\u003eCelinda Lake\u003c/a\u003e, President, Lake Research Partners. \u0026ldquo;Clearly, women know what they need, and they are likely to vote with these issues in mind.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eMethodology\u003c/h2\u003e\n\n\u003cp\u003eThis research was conducted online March 2-13, 2024 by Public Opinion Strategies and Lake Research Partners. The national mixed mode survey included 1,022 women ages 25 and older with oversamples of rural women (n=314) and low-income women by ethnicity (White=260, Black=241, Hispanic=203). The survey asked respondents to identify if they were Republican, Independent, or Democrat. \u0026ldquo;Low-income\u0026rdquo; was defined as an individual with $25,000 in income per year ($50,000 for two or more people in a household), self-identify as lower income, working class, or middle class, and either do not have any retirement savings or have retirement savings of $5,000 or less.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout NCOA\u003c/strong\u003e\u003cbr /\u003e\nThe National Council on Aging (NCOA) is the national voice for every person\u0026rsquo;s right to age well. We believe that how we age should not be determined by gender, color, sexuality, income, or ZIP code. Working with thousands of national and local partners, we provide resources, tools, best practices, and advocacy to ensure every person can age with health and financial security. Founded in 1950, we are the oldest national organization focused on older adults. Learn more at \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003ewww.ncoa.org\u003c/a\u003e and \u003ca href=\"https://twitter.com/NCOAging\"\u003e@NCOAging\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout WISER\u003c/strong\u003e\u003cbr /\u003e\nWISER is a nonprofit organization that works to help women, educators, and policymakers understand the important issues surrounding women\u0026rsquo;s retirement income. As the only organization to focus exclusively on the unique financial challenges that women face, WISER supports women\u0026rsquo;s opportunities to secure adequate retirement income through research, programs, and partnerships. WISER has also been the driving force behind a series of state and local events on long-term financial security aimed at leveling the playing field for women. Learn more at \u003ca href=\"http://www.wiserwomen.org\" target=\"_blank\"\u003ewww.wiserwomen.org\u003c/a\u003e.\u003c/p\u003e\n","contentType":"article","displayDate":"Apr 16, 2024","rawDate":"2024-04-16T00:00:00.000Z","includeInSearch":"yes","month":"April","year":2024,"image":{"alt":"Half of women say they feel “uncertain” or “worried” when they think about how prepared they are for health costs later in life, and low-income and rural women report challenges to staying healthy today.","height":615,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/f3561924-a2a3-4b9c-8f3c-1dc292808051/2024-WWS-Hero-1336x614.jpg","type":"image/jpeg","width":1337},"title":"American Women Report Economic Stress, Worry about How They Will Afford Future Health Costs and Retirement ","url":"/article/american-women-report-economic-stress-worry-about-how-they-will-afford-future-health-costs-and-retirement/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"A new survey reports that half of women feel stress about affording health care as they age and fewer women than last year feel financially secure.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"607ce411-af93-4423-8184-339eee5eed2d","_snippetResult":{"content":{"value":"National survey of women ages 25+ finds strong bipartisan support …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003e\u003cem\u003e\u003cstrong\u003eNational survey of women ages 25+ finds strong bipartisan support for improving Medicare to cover home care and treatment for chronic diseases\u003c/strong\u003e\u003c/em\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eContact:\u003c/strong\u003e\u003cbr /\u003e\nSimona Combi\u003cbr /\u003e\nPublic Relations Manager\u003cbr /\u003e\n571-527-3982\u003cbr /\u003e\n\u003ca href=\"mailto:simona.combi@ncoa.org\"\u003esimona.combi@ncoa.org\u003c/a\u003e\u003c/p\u003e\n\n\u003ch2\u003eKey takeaways\u003c/h2\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eHalf of women say they feel \u0026ldquo;uncertain\u0026rdquo; or \u0026ldquo;worried\u0026rdquo; when they think about how prepared they are for health costs later in life, and low-income and rural women report challenges to staying healthy today.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eCompared to 2023, fewer women consider themselves financially secure, and they are not confident about how to plan and save for retirement, with the cost of housing and cuts to Medicare and Social Security being top concerns.\u003c/li\u003e\n\t\u003cli\u003eOf 12 federal policies tested, the most important for women are providing government assistance for low-income adults, improving Medicare and Medicaid to cover home care, and expanding Medicare to cover the full range of treatments for chronic diseases.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eArlington, VA (April 16, 2024)\u0026mdash;A national survey of women ages 25+, commissioned by the \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003eNational Council on Aging\u003c/a\u003e (NCOA) and \u003ca href=\"https://wiserwomen.org/\" target=\"_blank\"\u003eWomen\u0026rsquo;s Institute for a Secure Retirement\u003c/a\u003e (WISER), finds that American women continue to face significant economic stress, and they are concerned about how to pay for health care and other daily expenses in retirement. Across demographic and party lines, women express strong bipartisan support for federal policy solutions that could help.\u003c/p\u003e\n\n\u003cp\u003eFor the second year in a row, \u003ca href=\"https://www.ncoa.org/page/what-women-say-about-their-finances\" target=\"_blank\"\u003eWhat Women Say\u0026trade;: Insights and Policy Solutions for Lifelong Security\u003c/a\u003e asked women about their financial situation today and how they feel about their future. This year\u0026rsquo;s survey also included a new set of questions about women\u0026rsquo;s health. The online poll\u0026mdash;conducted by the bipartisan team of \u003ca href=\"https://pos.org/\" target=\"_blank\"\u003ePublic Opinion Strategies\u003c/a\u003e and \u003ca href=\"https://www.lakeresearch.com/\" target=\"_blank\"\u003eLake Research Partners\u003c/a\u003e\u0026mdash;also explored women\u0026rsquo;s support for 12 potential policy solutions.\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;Health and financial security are the bedrocks of a good quality of life\u0026mdash;regardless of age,\u0026rdquo; said \u003ca href=\"https://www.ncoa.org/page/ramsey-alwin\"\u003eRamsey Alwin\u003c/a\u003e, NCOA President and CEO.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003e\u0026ldquo;It\u0026rsquo;s troubling to hear that women across the lifespan\u0026mdash;especially those with lower incomes\u0026mdash;continue to struggle, making it extremely difficult for them to prepare for retirement. We must do more to ensure every woman has the resources to age well.\u0026rdquo;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003e\u0026ldquo;The survey points to ways we can change women\u0026rsquo;s retirement prospects,\u0026rdquo; said \u003ca href=\"https://wiserwomen.org/about-us/staff-directory/cindy-hounsell/\" target=\"_blank\"\u003eCindy Hounsell\u003c/a\u003e, President of WISER. \u0026ldquo;We can remove the barriers and improve the safety net that so many low- and moderate-income women depend on. We can increase access to retirement plans and provide outreach and information to help women improve their financial decision-making. Clearly, we must begin to make the future more secure for women of all ages and incomes.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eKey Health Findings\u003c/h2\u003e\n\n\u003cp\u003eWomen are candid about their fears and concerns when it comes to their health.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eFrom a list of words, women select \u0026ldquo;uncertain\u0026rdquo; and \u0026ldquo;worried\u0026rdquo; the most when asked how prepared they are for health costs later in life.\u003c/li\u003e\n\t\u003cli\u003eWomen rate their general health worse than their mental health, and low-income and rural women rate their general and mental health a net negative.\u003c/li\u003e\n\t\u003cli\u003eIn the past year, roughly 1 in 3 women report having experienced delays in access to health care or food insecurity issues, and 1 in 5 report delays in filling prescription medicines.\u003c/li\u003e\n\t\u003cli\u003eWomen view having a low-income as the most negative influence on a person\u0026rsquo;s health. Being a woman, having a low education, and being Black or Hispanic are also viewed as net negatives.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003ch2\u003eKey Financial Security Findings\u003c/h2\u003e\n\n\u003cp\u003eFor the second year in a row, American women report substantial economic stress.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eLess than half (49%) of women and only one-third of rural women report having saved for retirement.\u003c/li\u003e\n\t\u003cli\u003eMajorities report they are not financially secure, including 79% of low-income women and 67% of rural women.\u003c/li\u003e\n\t\u003cli\u003eLow-income White and Hispanic women report their financial security to be worse compared to last year.\u003c/li\u003e\n\t\u003cli\u003eMore than 7 in 10 low-income women say they are not confident about their ability to plan and save for retirement.\u003c/li\u003e\n\t\u003cli\u003eRoughly one-third of all women and half (49%) of low-income women say their retirement income or savings will not be enough to pay their monthly bills\u0026mdash;an increase from 2023.\u003c/li\u003e\n\u003c/ul\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;Nearly 6 in 10 (59%) women and 81% of low-income women told us they do not make enough money right now to save for retirement,\u0026rdquo; said \u003ca href=\"https://pos.org/partners/bill-mcinturff/\" target=\"_blank\"\u003eBill McInturff\u003c/a\u003e, Partner at Public Opinion Strategies. \u0026ldquo;Food insecurity also is a reality for about half of low-income Hispanic and White women. These facts directly impact a woman\u0026rsquo;s ability to plan and save for retirement.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eSupport for Policy Solutions\u003c/h2\u003e\n\n\u003cp\u003eThe survey asked women to express their level of support for 12 potential policy solutions, understanding that these new solutions would likely have a cost associated with them and may require new federal government spending or reductions in spending on other federal programs in order to pay for them. Across party and demographic lines, vast majorities of women supported the solutions. The top 8 include:\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eMedicare proposals\u003c/strong\u003e\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eExpand Medicare coverage, so beneficiaries have access to the full range of care and treatments for serious chronic diseases. (69% strongly support, 95% total support)\u003c/li\u003e\n\t\u003cli\u003eImprove Medicare and Medicaid to better ensure that older adults have the option to receive care at home rather than having to go into a nursing home. (68% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eStrengthen Medicare efforts to help low-income older adults sign up for benefits they are eligible for but are not currently receiving. (67% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eStrengthen Medicare by adding health promotion and disease prevention programs to help people better manage their chronic diseases, lessen their risk of falls, and reduce social isolation. (65% strongly support, 94% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u003cstrong\u003eNon-Medicare proposals\u003c/strong\u003e\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eProvide a tax break to family caregivers to help cover the out-of-pocket costs of providing care to a seriously ill, disabled, or elderly loved one. (66% strongly support, 96% total support)\u003c/li\u003e\n\t\u003cli\u003eModernize and update the federal Supplemental Security Income program that pays monthly benefits to people with limited income and resources who are disabled, blind, or age 65 or older. (66% strongly support, 94% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide government assistance to lower income older adults to help pay for basic needs, such as food, housing, and transportation. (64% strongly support, 93% total support)\u003c/li\u003e\n\t\u003cli\u003eAddress elder care and disability care workforce shortages by ensuring that home care workers receive a livable and competitive wage of at least $18-$20/per hour along with health insurance, retirement, and other key employment benefits. (62% strongly support, 92% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;For six of the policy proposals we tested in 2023 and 2024, the intensity of support increased,\u0026rdquo; said \u003ca href=\"https://www.lakeresearch.com/celinda-lake\" target=\"_blank\"\u003eCelinda Lake\u003c/a\u003e, President, Lake Research Partners. \u0026ldquo;Clearly, women know what they need, and they are likely to vote with these issues in mind.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eMethodology\u003c/h2\u003e\n\n\u003cp\u003eThis research was conducted online March 2-13, 2024 by Public Opinion Strategies and Lake Research Partners. The national mixed mode survey included 1,022 women ages 25 and older with oversamples of rural women (n=314) and low-income women by ethnicity (White=260, Black=241, Hispanic=203). The survey asked respondents to identify if they were Republican, Independent, or Democrat. \u0026ldquo;Low-income\u0026rdquo; was defined as an individual with $25,000 in income per year ($50,000 for two or more people in a household), self-identify as lower income, working class, or middle class, and either do not have any retirement savings or have retirement savings of $5,000 or less.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout NCOA\u003c/strong\u003e\u003cbr /\u003e\nThe National Council on Aging (NCOA) is the national voice for every person\u0026rsquo;s right to age well. We believe that how we age should not be determined by gender, color, sexuality, income, or ZIP code. Working with thousands of national and local partners, we provide resources, tools, best practices, and advocacy to ensure every person can age with health and financial security. Founded in 1950, we are the oldest national organization focused on older adults. Learn more at \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003ewww.ncoa.org\u003c/a\u003e and \u003ca href=\"https://twitter.com/NCOAging\"\u003e@NCOAging\u003c/a\u003e.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout WISER\u003c/strong\u003e\u003cbr /\u003e\nWISER is a nonprofit organization that works to help women, educators, and policymakers understand the important issues surrounding women\u0026rsquo;s retirement income. As the only organization to focus exclusively on the unique financial challenges that women face, WISER supports women\u0026rsquo;s opportunities to secure adequate retirement income through research, programs, and partnerships. WISER has also been the driving force behind a series of state and local events on long-term financial security aimed at leveling the playing field for women. Learn more at \u003ca href=\"http://www.wiserwomen.org\" target=\"_blank\"\u003ewww.wiserwomen.org\u003c/a\u003e.\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"American Women Report Economic Stress, Worry about How They Will Afford Future Health Costs and Retirement ","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"A new survey reports that half of women feel stress about affording health care as they age and fewer women than last year feel financially secure.","matchLevel":"none","matchedWords":[]}}},{"categories":["Research"],"content":"\u003cp\u003eFor some low-income older adults, once they turn 65 and become eligible for Medicare, they lose all their Medicaid benefits.\u003c/p\u003e\n\n\u003cp\u003eAs they transition to Medicare, the coverage and benefits they had under Medicaid change, and they lose \u003ca href=\"https://www.healthcare.gov/glossary/subsidized-coverage/\" target=\"_blank\"\u003eMarketplace subsidies\u003c/a\u003e. When this happens, they face what has been called the \u0026ldquo;Medicare Cliff.\u0026rdquo;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIn this issue brief, we\u0026nbsp;describe those affected by the Medicare Cliff. Our research explores differences between three distinct populations:\u003c/p\u003e\n\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eOlder adults facing the Medicare Cliff\u003c/li\u003e\n\t\u003cli\u003ePeople who are either partially or fully dually eligible for Medicare and Medicaid (\u003ca href=\"https://www.ncoa.org/article/integrated-care-for-people-with-medicare-and-medicaid\" target=\"_blank\"\u003eDual Eligibles\u003c/a\u003e) when they reach age 65\u003c/li\u003e\n\t\u003cli\u003ePeople who are enrolled only in Medicare\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eWe focus on their characteristics when they are eligible for the program and also track key health and financial measures over time to see how their status changes during retirement.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eOverall, we found about 14% of people newly eligible for Medicare hit the Medicare Cliff\u0026nbsp;each year.\u0026nbsp;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eThis finding means programmatic changes over time have done little to prevent low-income older adults from hitting the Medicare Cliff, and this continues to be a vulnerable group. Based on Medicare enrollment data showing approximately 2 million new Medicare enrollees in 2019 (65 and older), we estimate 280,000 older adults experience the Medicare Cliff each year.\u003c/p\u003e\n\n\u003cp\u003eTo be classified as an older adult facing the Medicare Cliff, someone needed to meet one of two criteria: they lost Medicaid eligibility when they became eligible for Medicare; or\u0026nbsp;their out-of-pocket medical cost (not including any insurance premiums) increased by at least $100 after starting Medicare.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003ePart of this research included\u0026nbsp;analyzing a sample of individuals who experienced the Medicare Cliff in 2012, when they turned 65, and then eventually became dually eligible for Medicare and Medicaid from 2014 to 2018. By examining participants who hit the Medicare Cliff 10 years ago, we have been able to study how their health and economics have changed over the past 10 years.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/a52ddf61-26a0-4ebb-ae65-007df381248f/2023_Medicare_Cliff_Analysis.pdf\" target=\"_blank\"\u003eRead the full issue brief\u003c/a\u003e.\u003c/p\u003e\n","contentType":"article","displayDate":"Nov 20, 2023","rawDate":"2023-11-20T06:00:00.000Z","includeInSearch":"yes","month":"November","year":2023,"image":{"alt":"Some low-income older adults lose their Medicaid coverage when they turn 65 and transition to Medicare. Our research delves into who is affected by the \"Medicare Cliff.\"","height":615,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/c643f8d5-bbb8-4b47-90ec-12ee25ca989a/Medicare-Cliff-Report-iStock-1066670768-2023-11-Hero-1336x614.jpg","type":"image/jpeg","width":1337},"title":"Avoiding the Medicare Cliff: A Profile of Low-Income Older Adults ","url":"/article/avoiding-the-medicare-cliff-a-profile-of-low-income-older-adults/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"Some low-income older adults lose their Medicaid coverage when they turn 65 and transition to Medicare. Our research delves into who is affected by the \"Medicare Cliff.\"","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"ed7cd983-b25d-4e74-9c33-1ac3ba5e2c91","_snippetResult":{"content":{"value":"For some low-income older adults, once they turn 65 …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eFor some low-income older adults, once they turn 65 and become eligible for Medicare, they lose all their Medicaid benefits.\u003c/p\u003e\n\n\u003cp\u003eAs they transition to Medicare, the coverage and benefits they had under Medicaid change, and they lose \u003ca href=\"https://www.healthcare.gov/glossary/subsidized-coverage/\" target=\"_blank\"\u003eMarketplace subsidies\u003c/a\u003e. When this happens, they face what has been called the \u0026ldquo;Medicare Cliff.\u0026rdquo;\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003eIn this issue brief, we\u0026nbsp;describe those affected by the Medicare Cliff. Our research explores differences between three distinct populations:\u003c/p\u003e\n\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eOlder adults facing the Medicare Cliff\u003c/li\u003e\n\t\u003cli\u003ePeople who are either partially or fully dually eligible for Medicare and Medicaid (\u003ca href=\"https://www.ncoa.org/article/integrated-care-for-people-with-medicare-and-medicaid\" target=\"_blank\"\u003eDual Eligibles\u003c/a\u003e) when they reach age 65\u003c/li\u003e\n\t\u003cli\u003ePeople who are enrolled only in Medicare\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003eWe focus on their characteristics when they are eligible for the program and also track key health and financial measures over time to see how their status changes during retirement.\u003c/p\u003e\n\n\u003cblockquote\u003e\n\u003cp\u003eOverall, we found about 14% of people newly eligible for Medicare hit the Medicare Cliff\u0026nbsp;each year.\u0026nbsp;\u003c/p\u003e\n\u003c/blockquote\u003e\n\n\u003cp\u003eThis finding means programmatic changes over time have done little to prevent low-income older adults from hitting the Medicare Cliff, and this continues to be a vulnerable group. Based on Medicare enrollment data showing approximately 2 million new Medicare enrollees in 2019 (65 and older), we estimate 280,000 older adults experience the Medicare Cliff each year.\u003c/p\u003e\n\n\u003cp\u003eTo be classified as an older adult facing the Medicare Cliff, someone needed to meet one of two criteria: they lost Medicaid eligibility when they became eligible for Medicare; or\u0026nbsp;their out-of-pocket medical cost (not including any insurance premiums) increased by at least $100 after starting Medicare.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003ePart of this research included\u0026nbsp;analyzing a sample of individuals who experienced the Medicare Cliff in 2012, when they turned 65, and then eventually became dually eligible for Medicare and Medicaid from 2014 to 2018. By examining participants who hit the Medicare Cliff 10 years ago, we have been able to study how their health and economics have changed over the past 10 years.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/a52ddf61-26a0-4ebb-ae65-007df381248f/2023_Medicare_Cliff_Analysis.pdf\" target=\"_blank\"\u003eRead the full issue brief\u003c/a\u003e.\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Avoiding the Medicare Cliff: A Profile of Low-Income Older Adults ","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"Some low-income older adults lose their Medicaid coverage when they turn 65 and transition to Medicare. Our research delves into who is affected by the \"Medicare Cliff.\"","matchLevel":"none","matchedWords":[]}}},{"categories":["Research"],"content":"\u003cp\u003eJust how are LGBTQ+\u0026nbsp;older adults aging compared to their non-LGBTQ+ peers?\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/95bf78f5-35d3-4bd5-8789-86a953a15a26/2023_LGBTQ%2B_Study_Infographic_1.pdf\"\u003eNew\u0026nbsp;research\u003c/a\u003e has revealed a sobering truth: \u003cstrong\u003eLGBTQ+ adults age 60+ are financially worse off than their non-LGBTQ+ peers.\u003c/strong\u003e\u003c/p\u003e\n\n\u003ch2\u003eStudy conducted to examine 60+ LGBTQ+ population\u003c/h2\u003e\n\n\u003cp\u003eIt\u0026#39;s important to learn more about LGBTQ+ older adults, so we can help them age with the respect and dignity they deserve, especially during a time where many have faced discrimination, harasssment, and violence.\u003csup\u003e\u003cstrong\u003e1\u003c/strong\u003e\u003c/sup\u003e\u003c/p\u003e\n\n\u003cp\u003eTo pursue this goal, NCOA and \u003ca href=\"https://www.ltsscenter.org/\" target=\"_blank\"\u003ethe Leading Age LTSS Center @ Umass Boston\u003c/a\u003e analyzed data from the Federal Reserve\u0026rsquo;s annual study, \u003ca href=\"https://www.federalreserve.gov/consumerscommunities/shed.htm\" target=\"_blank\"\u003eSurvey of Household Economics and Decision-making (SHED)\u003c/a\u003e to learn about the health and economic characteristics of the older LGBTQ+\u0026nbsp;population. SHED\u0026nbsp;measures the economic well-being of U.S. households and identifies potential risks to their finances. It also includes a variety of topics related to financial well-being, including credit access and behaviors, savings, retirement, economic fragility, and education and student loans. For the purposes of this study, NCOA and the Leading Age LTSS Center examined SHED data from 2019 to 2021 specific to the 60+ LGBTQ+ population.\u0026nbsp;\u003c/p\u003e\n\n\u003ch2\u003eKey findings about how LGBTQ+ people are aging\u003c/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eEthnicity, education, marital status, discrimination\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eMost are non-Hispanic white, with a significant subset identifying as Hispanic and non-Hispanic two-races.\u003c/li\u003e\n\t\u003cli\u003eA little under half have a bachelor\u0026rsquo;s degree.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eMore than 4 in 10 are married.\u003c/li\u003e\n\t\u003cli\u003eImportantly, LGBTQ+ older adults are twice as likely to have experienced discrimination.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinances, income, savings, retirement, housing\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eTwo-thirds have a yearly income over $50,000.\u003c/li\u003e\n\t\u003cli\u003eOne third have not retired.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eMore than half say they have over $250,000 saved toward retirement.\u003c/li\u003e\n\t\u003cli\u003eAmong retired LGBTQ+ population, half say they are living comfortably.\u003c/li\u003e\n\t\u003cli\u003eIf they retired it\u0026#39;s because they wanted to do other things or reached a traditional retirement age.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eAlmost one-third retired due to health issues, while another 16% were forced to retire or retired to care for family (13%).\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eAbout a third of both retired and non-retired LGBTQ+ people have Medicare and Medicaid\u0026nbsp;as their health insurance.\u003c/li\u003e\n\t\u003cli\u003eExamining the LGBTQ+ and non-LGBTQ+ population, LGBTQ+ people are almost twice as likely to rent their homes.\u003c/li\u003e\n\t\u003cli\u003eThey are worse off financially: earn less money, and have trouble paying their rent or mortgage, as well as utilities and cable and phone bills.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/95bf78f5-35d3-4bd5-8789-86a953a15a26/2023_LGBTQ%2B_Study_Infographic_1.pdf\" target=\"_blank\"\u003eA Snapshot of the 60+ LGBTQ+ Population\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDownloads to share and raise awareness about LGBTQ+ older adults\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-1\" target=\"_blank\"\u003eInfographic 1\u003c/a\u003e (general demographic information)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-2\" target=\"_blank\"\u003eInfographic 2\u003c/a\u003e (snapshot of LGBTQ+ vs. non-LGBTQ+ older Americans)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-3\" target=\"_blank\"\u003eInfographic 3\u003c/a\u003e (snapshot of LGBTQ+ retirees vs. LGBTQ+ non-retirees)\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2\u003eSource\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. The Facts on LGBT Aging, Sage USA. May 2018. Found on the internet at https://www.sageusa.org/wp-content/uploads/2018/05/sageusa-the-facts-on-lgbt-aging.pdf\u003c/small\u003e\u003c/p\u003e\n","contentType":"article","displayDate":"Jun 22, 2023","rawDate":"2023-06-22T05:00:00.000Z","includeInSearch":"yes","month":"June","year":2023,"image":{"alt":"An infographic-style image with a teal and white color scheme. The text reads 'How LGBTQ+ Older Adults Are Aging' in large, bold letters. The bottom right corner features an icon of a megaphone, indicating the content is about raising awareness or sharing information.","height":720,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/6e774ba8-2e4f-4b47-b1c1-c69e87b50abc/2024-WEB-Profile%20of%20LGBT%20Older%20Adults.png","type":"image/png","width":1280},"title":"A Profile of LGBTQ+ Older Adults","url":"/article/a-profile-of-lgbtq-older-adults/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":["Susan Silberman"],"metaDescription":"Just how are LGBTQ+ older adults aging compared to their non-LGBTQ+ peers? Learn about the health and economic characteristics of the older LGBTQ+ population in this new research from NCOA and the LeadingAge LTSS Center @UMass Boston.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"e7660479-fcb4-473e-b0d9-0514a5b75fc1","_snippetResult":{"content":{"value":"Just how are LGBTQ+\u0026nbsp;older adults aging compared to their …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eJust how are LGBTQ+\u0026nbsp;older adults aging compared to their non-LGBTQ+ peers?\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/95bf78f5-35d3-4bd5-8789-86a953a15a26/2023_LGBTQ%2B_Study_Infographic_1.pdf\"\u003eNew\u0026nbsp;research\u003c/a\u003e has revealed a sobering truth: \u003cstrong\u003eLGBTQ+ adults age 60+ are financially worse off than their non-LGBTQ+ peers.\u003c/strong\u003e\u003c/p\u003e\n\n\u003ch2\u003eStudy conducted to examine 60+ LGBTQ+ population\u003c/h2\u003e\n\n\u003cp\u003eIt's important to learn more about LGBTQ+ older adults, so we can help them age with the respect and dignity they deserve, especially during a time where many have faced discrimination, harasssment, and violence.\u003csup\u003e\u003cstrong\u003e1\u003c/strong\u003e\u003c/sup\u003e\u003c/p\u003e\n\n\u003cp\u003eTo pursue this goal, NCOA and \u003ca href=\"https://www.ltsscenter.org/\" target=\"_blank\"\u003ethe Leading Age LTSS Center @ Umass Boston\u003c/a\u003e analyzed data from the Federal Reserve\u0026rsquo;s annual study, \u003ca href=\"https://www.federalreserve.gov/consumerscommunities/shed.htm\" target=\"_blank\"\u003eSurvey of Household Economics and Decision-making (SHED)\u003c/a\u003e to learn about the health and economic characteristics of the older LGBTQ+\u0026nbsp;population. SHED\u0026nbsp;measures the economic well-being of U.S. households and identifies potential risks to their finances. It also includes a variety of topics related to financial well-being, including credit access and behaviors, savings, retirement, economic fragility, and education and student loans. For the purposes of this study, NCOA and the Leading Age LTSS Center examined SHED data from 2019 to 2021 specific to the 60+ LGBTQ+ population.\u0026nbsp;\u003c/p\u003e\n\n\u003ch2\u003eKey findings about how LGBTQ+ people are aging\u003c/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eEthnicity, education, marital status, discrimination\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eMost are non-Hispanic white, with a significant subset identifying as Hispanic and non-Hispanic two-races.\u003c/li\u003e\n\t\u003cli\u003eA little under half have a bachelor\u0026rsquo;s degree.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eMore than 4 in 10 are married.\u003c/li\u003e\n\t\u003cli\u003eImportantly, LGBTQ+ older adults are twice as likely to have experienced discrimination.\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003cstrong\u003eFinances, income, savings, retirement, housing\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eTwo-thirds have a yearly income over $50,000.\u003c/li\u003e\n\t\u003cli\u003eOne third have not retired.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eMore than half say they have over $250,000 saved toward retirement.\u003c/li\u003e\n\t\u003cli\u003eAmong retired LGBTQ+ population, half say they are living comfortably.\u003c/li\u003e\n\t\u003cli\u003eIf they retired it's because they wanted to do other things or reached a traditional retirement age.\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eAlmost one-third retired due to health issues, while another 16% were forced to retire or retired to care for family (13%).\u0026nbsp;\u003c/li\u003e\n\t\u003cli\u003eAbout a third of both retired and non-retired LGBTQ+ people have Medicare and Medicaid\u0026nbsp;as their health insurance.\u003c/li\u003e\n\t\u003cli\u003eExamining the LGBTQ+ and non-LGBTQ+ population, LGBTQ+ people are almost twice as likely to rent their homes.\u003c/li\u003e\n\t\u003cli\u003eThey are worse off financially: earn less money, and have trouble paying their rent or mortgage, as well as utilities and cable and phone bills.\u0026nbsp;\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/95bf78f5-35d3-4bd5-8789-86a953a15a26/2023_LGBTQ%2B_Study_Infographic_1.pdf\" target=\"_blank\"\u003eA Snapshot of the 60+ LGBTQ+ Population\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDownloads to share and raise awareness about LGBTQ+ older adults\u003c/strong\u003e\u003c/p\u003e\n\n\u003cul style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-1\" target=\"_blank\"\u003eInfographic 1\u003c/a\u003e (general demographic information)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-2\" target=\"_blank\"\u003eInfographic 2\u003c/a\u003e (snapshot of LGBTQ+ vs. non-LGBTQ+ older Americans)\u003c/li\u003e\n\t\u003cli\u003e\u003ca href=\"https://bit.ly/LGBTQ-Older-Adult-Findings-Infographic-3\" target=\"_blank\"\u003eInfographic 3\u003c/a\u003e (snapshot of LGBTQ+ retirees vs. LGBTQ+ non-retirees)\u003c/li\u003e\n\u003c/ul\u003e\n\n\u003ch2\u003eSource\u003c/h2\u003e\n\n\u003cp\u003e\u003csmall\u003e1. The Facts on LGBT Aging, Sage USA. May 2018. Found on the internet at https://www.sageusa.org/wp-content/uploads/2018/05/sageusa-the-facts-on-lgbt-aging.pdf\u003c/small\u003e\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"A Profile of LGBTQ+ Older Adults","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"Just how are LGBTQ+ older adults aging compared to their non-LGBTQ+ peers? Learn about the health and economic characteristics of the older LGBTQ+ population in this new research from NCOA and the LeadingAge LTSS Center @UMass Boston.","matchLevel":"none","matchedWords":[]}}},{"categories":["Press Releases","Research"],"content":"\u003ch2\u003e\u0026nbsp;\u003c/h2\u003e\n\n\u003ch2 align=\"center\"\u003e\u003cem\u003eTwo surveys of women ages 25 and older find\u0026nbsp;strong bipartisan support for improvements to Social Security and other policy solutions \u003c/em\u003e\u003c/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eContact\u003c/strong\u003e\u003cbr /\u003e\nSimona Combi\u003cbr /\u003e\nPublic Relations Manager\u003cbr /\u003e\n571-527-3982\u003cbr /\u003e\n\u003ca href=\"mailto:\u0026lt;simona.combi@ncoa.org \"\u003esimona.combi@ncoa.org\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eArlington, VA (May 16, 2023)\u0026mdash;Two surveys of women ages 25 and older, commissioned by the \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003eNational Council on Aging\u003c/a\u003e (NCOA) and \u003ca href=\"https://wiserwomen.org/\" target=\"_blank\"\u003eWomen\u0026rsquo;s Institute for a Secure Retirement\u003c/a\u003e (WISER), find\u0026nbsp;that half of American women are struggling financially today, making it very difficult to plan for a secure retirement. Across demographic and party lines, women express strong bipartisan support for federal policy solutions that could help.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ncoa.org/page/what-women-say-about-their-finances\" target=\"_blank\"\u003eWhat Women Say\u0026trade;: Insights and Policy Solutions for Lifelong Financial Security\u003c/a\u003e asked women what they think about their financial situation now and how they feel about their future retirement. The two online surveys\u0026mdash;conducted by the bipartisan team of \u003ca href=\"https://pos.org/\" target=\"_blank\"\u003ePublic Opinion Strategies\u003c/a\u003e and \u003ca href=\"https://www.lakeresearch.com/\" target=\"_blank\"\u003eLake Research Partners\u003c/a\u003e\u0026mdash;also explored women\u0026rsquo;s support for 13 potential policy solutions.\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;It\u0026rsquo;s sobering to see such widespread financial insecurity among women in America,\u0026rdquo; said \u003ca href=\"https://www.ncoa.org/page/ramsey-alwin\" target=\"_blank\"\u003eRamsey Alwin\u003c/a\u003e, NCOA President and CEO. \u0026ldquo;We know that a woman\u0026rsquo;s ability to age well starts early\u0026mdash;not just when she retires. If women of all ages are finding it difficult to stay afloat today, their chances of aging with security are dim.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;Women are relying on bedrock programs like Social Security when it comes to their future,\u0026rdquo; said \u003ca href=\"https://wiserwomen.org/about-us/staff-directory/cindy-hounsell/\" target=\"_blank\"\u003eCindy Hounsell\u003c/a\u003e, WISER President. \u0026ldquo;We must protect and improve these programs to ensure they are financially prepared for a longer retirement.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eKey findings about financial insecurity\u003c/h2\u003e\n\n\u003cp\u003eWomen in the surveys were candid about their fears and concerns when it comes to their financial security.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eJust over half of women ages 25 and older said they do not consider themselves financially secure, and 77% of low-income women said the same.\u003c/li\u003e\n\t\u003cli\u003eTop concerns are the cost of housing, Social Security and Medicare being cut, not having enough savings to retire, and outliving savings in retirement.\u003c/li\u003e\n\t\u003cli\u003eNearly half reported not having an employer-sponsored retirement plan.\u003c/li\u003e\n\t\u003cli\u003eThree in four low-income women by ethnicity reported having no emergency savings.\u003c/li\u003e\n\t\u003cli\u003eNearly two-thirds of low-income women said they are not confident that they have the information they need to be able to plan and save for retirement.\u003c/li\u003e\n\t\u003cli\u003eMost women said they are \u0026ldquo;worried\u0026rdquo; and \u0026ldquo;uncertain\u0026rdquo; when thinking about retirement, and a third of low-income women are \u0026ldquo;terrified.\u0026rdquo;\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;When asked why they do not feel financially secure, women told us they do not have enough savings, inflation has caused a lot of pain to their wallets, and they have debt,\u0026rdquo; said \u003ca href=\"https://pos.org/partners/bill-mcinturff/\" target=\"_blank\"\u003eBill McInturff\u003c/a\u003e, Partner at Public Opinion Strategies. \u0026ldquo;Living paycheck to paycheck means that if an emergency were to occur, they would be wiped out financially.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eStrong support for policy solutions\u003c/h2\u003e\n\n\u003cp\u003eThe survey also asked women to express their level of support for 13 potential policy solutions that could help. 90% of women supported eight of the solutions. These include:\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eMake the cost-of-living adjustment for Social Security benefits more accurately reflect the cost of housing and health care (94% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide a tax break to family caregivers to help cover out-of-pocket costs of providing care to a seriously ill, disabled, or elderly loved one (94% total support)\u003c/li\u003e\n\t\u003cli\u003eRaise the minimum Social Security benefit to above the federal poverty level (92% total support)\u003c/li\u003e\n\t\u003cli\u003eImprove access to the Supplemental Social Security Income program, which provides monthly benefits to people with limited income and resources who are disabled, blind, or age 65 and older (92% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide free educational programs to middle-aged and older adults on how to save for retirement and make the most of their Social Security benefits (91% total support)\u003c/li\u003e\n\t\u003cli\u003eCreate a new government-provided retirement plan that would allow workers whose employers do not currently provide a retirement plan to set-aside their savings tax-free until they retire and start withdrawing funds from the account (91% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide government assistance to lower income older adults to help pay for basic needs, such as food, housing, and transportation (90% total support)\u003c/li\u003e\n\t\u003cli\u003eCreate a new government program that provides up to 12 weeks of paid leave to workers who need to leave work to care for a seriously ill family member (90% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u0026ldquo;In an era of divided politics, the level of bipartisan support for these policies is quite notable,\u0026rdquo; said \u003ca href=\"https://www.lakeresearch.com/celinda-lake\" target=\"_blank\"\u003eCelinda Lake\u003c/a\u003e, President, Lake Research Partners. \u0026ldquo;It speaks to the real challenges facing women across the country\u0026mdash;and the support they need and want.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eMethodology\u003c/h2\u003e\n\n\u003cp\u003eThis research was conducted online by Public Opinion Strategies and Lake Research Partners. The first survey was conducted February 10-21, 2023 among women ages 25 and older and collected 1,000 responses. The second survey was conducted March 27-April 5, 2023 among low-income women ages 25 and older and collected at least 200 responses each from white, Black, and Latina women. Both surveys asked respondents to identify if they were Republican, Independent, or Democrat. \u0026ldquo;Low-income\u0026rdquo; was defined as an individual with $25,000 in income per year ($50,000 for two or more people in a household) and retirement savings of $5,000 or less.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout NCOA\u003c/strong\u003e\u003cbr /\u003e\nThe National Council on Aging (NCOA)\u0026nbsp;is the national voice for every person\u0026rsquo;s right to age well. We believe that how we age should not be determined by gender, color, sexuality, income, or ZIP code. Working with thousands of national and local partners, we provide resources, tools, best practices, and advocacy to ensure every person can age with health and financial security. Founded in 1950, we are the oldest national organization focused on older adults. Learn more by following us at\u0026nbsp;\u003ca href=\"https://twitter.com/NCOAging\" target=\"_blank\"\u003e@NCOAging\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout WISER\u003c/strong\u003e\u003cbr /\u003e\nWISER is a nonprofit organization that works to help women, educators, and policymakers understand the important issues surrounding women\u0026rsquo;s retirement income. As the only organization to focus exclusively on the unique financial challenges that women face, WISER supports women\u0026rsquo;s opportunities to secure adequate retirement income through research, programs, and partnerships. WISER has also been the driving force behind a series of state and local events on long-term financial security aimed at leveling the playing field for women. Learn more at \u003ca href=\"http://www.wiserwomen.org\" target=\"_blank\"\u003ewww.wiserwomen.org\u003c/a\u003e.\u003c/p\u003e\n\u003c/div\u003e\n","contentType":"article","displayDate":"May 16, 2023","rawDate":"2023-05-16T05:00:00.000Z","includeInSearch":"yes","month":"May","year":2023,"image":{"alt":"An infographic-style image with a teal and white color scheme. The text reads 'Women and Their Financial Security' in large, bold letters. The bottom right corner features an icon of a megaphone, indicating the content is about raising awareness or sharing information.","height":720,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/ecba424e-da68-401c-bbf7-3b539149de35/2024-WWW-Women-Survey-PR.png","type":"image/png","width":1280},"title":"Half of American Women Report Struggling Financially Today, Leaving Them Worried and Uncertain About Retirement\n","url":"/article/half-of-american-women-report-struggling-financially-today-leaving-them-worried-and-uncertain-about-retirement/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"Two surveys of women 25 and older found half are struggling financially today, making it very difficult to plan for a secure retirement.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"22c5c836-6663-44b0-90b9-d439f7bf0ec2","_snippetResult":{"content":{"value":"\u0026nbsp;\n\nTwo surveys of women ages 25 and older find …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003ch2\u003e\u0026nbsp;\u003c/h2\u003e\n\n\u003ch2 align=\"center\"\u003e\u003cem\u003eTwo surveys of women ages 25 and older find\u0026nbsp;strong bipartisan support for improvements to Social Security and other policy solutions \u003c/em\u003e\u003c/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eContact\u003c/strong\u003e\u003cbr /\u003e\nSimona Combi\u003cbr /\u003e\nPublic Relations Manager\u003cbr /\u003e\n571-527-3982\u003cbr /\u003e\n\u003ca href=\"mailto:\u0026lt;simona.combi@ncoa.org \"\u003esimona.combi@ncoa.org\u003c/a\u003e\u003c/p\u003e\n\n\u003cp\u003eArlington, VA (May 16, 2023)\u0026mdash;Two surveys of women ages 25 and older, commissioned by the \u003ca href=\"http://www.ncoa.org\" target=\"_blank\"\u003eNational Council on Aging\u003c/a\u003e (NCOA) and \u003ca href=\"https://wiserwomen.org/\" target=\"_blank\"\u003eWomen\u0026rsquo;s Institute for a Secure Retirement\u003c/a\u003e (WISER), find\u0026nbsp;that half of American women are struggling financially today, making it very difficult to plan for a secure retirement. Across demographic and party lines, women express strong bipartisan support for federal policy solutions that could help.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://www.ncoa.org/page/what-women-say-about-their-finances\" target=\"_blank\"\u003eWhat Women Say\u0026trade;: Insights and Policy Solutions for Lifelong Financial Security\u003c/a\u003e asked women what they think about their financial situation now and how they feel about their future retirement. The two online surveys\u0026mdash;conducted by the bipartisan team of \u003ca href=\"https://pos.org/\" target=\"_blank\"\u003ePublic Opinion Strategies\u003c/a\u003e and \u003ca href=\"https://www.lakeresearch.com/\" target=\"_blank\"\u003eLake Research Partners\u003c/a\u003e\u0026mdash;also explored women\u0026rsquo;s support for 13 potential policy solutions.\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;It\u0026rsquo;s sobering to see such widespread financial insecurity among women in America,\u0026rdquo; said \u003ca href=\"https://www.ncoa.org/page/ramsey-alwin\" target=\"_blank\"\u003eRamsey Alwin\u003c/a\u003e, NCOA President and CEO. \u0026ldquo;We know that a woman\u0026rsquo;s ability to age well starts early\u0026mdash;not just when she retires. If women of all ages are finding it difficult to stay afloat today, their chances of aging with security are dim.\u0026rdquo;\u003c/p\u003e\n\n\u003cp\u003e\u0026ldquo;Women are relying on bedrock programs like Social Security when it comes to their future,\u0026rdquo; said \u003ca href=\"https://wiserwomen.org/about-us/staff-directory/cindy-hounsell/\" target=\"_blank\"\u003eCindy Hounsell\u003c/a\u003e, WISER President. \u0026ldquo;We must protect and improve these programs to ensure they are financially prepared for a longer retirement.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eKey findings about financial insecurity\u003c/h2\u003e\n\n\u003cp\u003eWomen in the surveys were candid about their fears and concerns when it comes to their financial security.\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eJust over half of women ages 25 and older said they do not consider themselves financially secure, and 77% of low-income women said the same.\u003c/li\u003e\n\t\u003cli\u003eTop concerns are the cost of housing, Social Security and Medicare being cut, not having enough savings to retire, and outliving savings in retirement.\u003c/li\u003e\n\t\u003cli\u003eNearly half reported not having an employer-sponsored retirement plan.\u003c/li\u003e\n\t\u003cli\u003eThree in four low-income women by ethnicity reported having no emergency savings.\u003c/li\u003e\n\t\u003cli\u003eNearly two-thirds of low-income women said they are not confident that they have the information they need to be able to plan and save for retirement.\u003c/li\u003e\n\t\u003cli\u003eMost women said they are \u0026ldquo;worried\u0026rdquo; and \u0026ldquo;uncertain\u0026rdquo; when thinking about retirement, and a third of low-income women are \u0026ldquo;terrified.\u0026rdquo;\u003c/li\u003e\n\u003c/ol\u003e\n\u003c/div\u003e\n\n\u003cp\u003e\u0026ldquo;When asked why they do not feel financially secure, women told us they do not have enough savings, inflation has caused a lot of pain to their wallets, and they have debt,\u0026rdquo; said \u003ca href=\"https://pos.org/partners/bill-mcinturff/\" target=\"_blank\"\u003eBill McInturff\u003c/a\u003e, Partner at Public Opinion Strategies. \u0026ldquo;Living paycheck to paycheck means that if an emergency were to occur, they would be wiped out financially.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eStrong support for policy solutions\u003c/h2\u003e\n\n\u003cp\u003eThe survey also asked women to express their level of support for 13 potential policy solutions that could help. 90% of women supported eight of the solutions. These include:\u003c/p\u003e\n\n\u003cdiv\u003e\n\u003col style=\"margin-left: 40px;\"\u003e\n\t\u003cli\u003eMake the cost-of-living adjustment for Social Security benefits more accurately reflect the cost of housing and health care (94% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide a tax break to family caregivers to help cover out-of-pocket costs of providing care to a seriously ill, disabled, or elderly loved one (94% total support)\u003c/li\u003e\n\t\u003cli\u003eRaise the minimum Social Security benefit to above the federal poverty level (92% total support)\u003c/li\u003e\n\t\u003cli\u003eImprove access to the Supplemental Social Security Income program, which provides monthly benefits to people with limited income and resources who are disabled, blind, or age 65 and older (92% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide free educational programs to middle-aged and older adults on how to save for retirement and make the most of their Social Security benefits (91% total support)\u003c/li\u003e\n\t\u003cli\u003eCreate a new government-provided retirement plan that would allow workers whose employers do not currently provide a retirement plan to set-aside their savings tax-free until they retire and start withdrawing funds from the account (91% total support)\u003c/li\u003e\n\t\u003cli\u003eProvide government assistance to lower income older adults to help pay for basic needs, such as food, housing, and transportation (90% total support)\u003c/li\u003e\n\t\u003cli\u003eCreate a new government program that provides up to 12 weeks of paid leave to workers who need to leave work to care for a seriously ill family member (90% total support)\u003c/li\u003e\n\u003c/ol\u003e\n\n\u003cp\u003e\u0026ldquo;In an era of divided politics, the level of bipartisan support for these policies is quite notable,\u0026rdquo; said \u003ca href=\"https://www.lakeresearch.com/celinda-lake\" target=\"_blank\"\u003eCelinda Lake\u003c/a\u003e, President, Lake Research Partners. \u0026ldquo;It speaks to the real challenges facing women across the country\u0026mdash;and the support they need and want.\u0026rdquo;\u003c/p\u003e\n\n\u003ch2\u003eMethodology\u003c/h2\u003e\n\n\u003cp\u003eThis research was conducted online by Public Opinion Strategies and Lake Research Partners. The first survey was conducted February 10-21, 2023 among women ages 25 and older and collected 1,000 responses. The second survey was conducted March 27-April 5, 2023 among low-income women ages 25 and older and collected at least 200 responses each from white, Black, and Latina women. Both surveys asked respondents to identify if they were Republican, Independent, or Democrat. \u0026ldquo;Low-income\u0026rdquo; was defined as an individual with $25,000 in income per year ($50,000 for two or more people in a household) and retirement savings of $5,000 or less.\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout NCOA\u003c/strong\u003e\u003cbr /\u003e\nThe National Council on Aging (NCOA)\u0026nbsp;is the national voice for every person\u0026rsquo;s right to age well. We believe that how we age should not be determined by gender, color, sexuality, income, or ZIP code. Working with thousands of national and local partners, we provide resources, tools, best practices, and advocacy to ensure every person can age with health and financial security. Founded in 1950, we are the oldest national organization focused on older adults. Learn more by following us at\u0026nbsp;\u003ca href=\"https://twitter.com/NCOAging\" target=\"_blank\"\u003e@NCOAging\u003c/a\u003e.\u0026nbsp;\u003c/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eAbout WISER\u003c/strong\u003e\u003cbr /\u003e\nWISER is a nonprofit organization that works to help women, educators, and policymakers understand the important issues surrounding women\u0026rsquo;s retirement income. As the only organization to focus exclusively on the unique financial challenges that women face, WISER supports women\u0026rsquo;s opportunities to secure adequate retirement income through research, programs, and partnerships. WISER has also been the driving force behind a series of state and local events on long-term financial security aimed at leveling the playing field for women. Learn more at \u003ca href=\"http://www.wiserwomen.org\" target=\"_blank\"\u003ewww.wiserwomen.org\u003c/a\u003e.\u003c/p\u003e\n\u003c/div\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Half of American Women Report Struggling Financially Today, Leaving Them Worried and Uncertain About Retirement\n","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"Two surveys of women 25 and older found half are struggling financially today, making it very difficult to plan for a secure retirement.","matchLevel":"none","matchedWords":[]}}},{"categories":["Medicare","Medicare Low-Income Programs","Research"],"content":"\u003cp\u003eMany older adults who have trouble affording prescription drugs and health care qualify for \u003ca href=\"/article/medicaid-medicare-savings-programs\" target=\"_blank\"\u003eMedicare Savings Programs\u003c/a\u003e (MSPs), which help pay for Medicare premiums and cost sharing, and the \u003ca href=\"/article/medicare-low-income-subsidy-get-extra-help-paying-for-part-d\" target=\"_blank\"\u003ePart D Low-Income Subsidy\u003c/a\u003e (LIS) program (also known as Extra Help), which helps pay for prescription drugs.\u003c/p\u003e\n\n\u003ch2\u003eNew! Trends in Medicare subsidy enrollment by race and ethnicity\u003c/h2\u003e\n\n\u003cp\u003eBuilding in part on the research desribed below, \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/04de1331-02dc-4e8c-b9c3-098d7d82328a/2022-CBA-LIS_MSP_Infographic.pdf\" target=\"_blank\"\u003ethis 2022 infographic\u003c/a\u003e provides a snapshot of enrollment trends into LIS and the MSPs, including variations by race and ethnicity. The two Medicare low-income subsidy programs disproportionately serve beneficiaries in communities of color who tend to have lower incomes and modest savings.\u003c/p\u003e\n\n\u003ch2\u003eEstimating take-up rates in LIS \u0026amp; MSP\u003c/h2\u003e\n\n\u003cp\u003eDespite the availability of these subsidies to qualified Medicare beneficiaries, there is a gap in the literature on the take-up rate in these programs. This 2020 NCOA Issue Brief\u0026nbsp;provides an estimate of eligibility, enrollment, and take-up rates in MSPs and LIS among the age 65 and older non-institutionalized population for even years between 2008 and 2014. The estimates reveal that the take-up rate in MSPs was 63.4% in 2014.\u003c/p\u003e\n\n\u003cp\u003eThe LIS enrollment rate is split between automatic enrollees\u0026mdash;those who are automatically deemed to qualify based on their enrollment in MSPs, Medicaid, or the Supplemental Security Income (SSI)\u0026mdash;and non-automatic enrollees. The LIS take-up rate among automatic enrollees was close to 100% (98.7% to be exact) in 2014, whereas the take-up rate was only 32.8% for non-automatic enrollees in 2014.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/f0edeaa4-0e3f-4405-a4f4-6991259d4696/2021-CBA-Take-Up-Rates-in-Medicare-Savings-Programs-June-2020-Issue%20Brief_4-27.pdf\" target=\"_blank\"\u003eThe results of this analysis\u003c/a\u003e reveal that significant numbers of older adults are eligible for, but not enrolled in MSPs and LIS. Understanding trends in enrollment and participation is important for tracking outreach and enrollment efforts. A range of policy solutions are also offered to improve access to these important Medicare low-income assistance programs.\u003c/p\u003e\n","contentType":"article","displayDate":"Sep 09, 2022","rawDate":"2022-09-09T05:00:00.000Z","includeInSearch":"yes","month":"September","year":2022,"image":{"alt":"Senior Caucasian woman in wheelchair with caregiver outside in garden","height":1487,"src":"https://assets-us-01.kc-usercontent.com:443/ffacfe7d-10b6-0083-2632-604077fd4eca/8f290bfe-3566-4d66-848c-eebcff3c0434/Woman-in-wheelchair-with-caregiver.jpg","type":"image/jpeg","width":2572},"title":"Take-Up Rates in Medicare Savings Programs and the Part D Low-Income Subsidy","url":"/article/take-up-rates-in-medicare-savings-programs-and-the-part-d-low-income-subsidy/","programCharacteristics":[],"programFormat":[],"programLength":[],"programTopic":[],"programTraining":[],"programType":[],"administrationForCommunityLivingGrantees":[],"topic":[],"format":[],"eventDate":"","futurePast":null,"programsToolsResources":false,"authorName":[],"metaDescription":"This brief analyzes the obstacles that keeps nearly three million older adults and people with disabilities from accessing Medicare low-income subsidies.","isEvent":false,"isEvidenceBasedProgram":false,"isProfessionalResourceProgram":false,"isProgramOfExcellence":false,"isPage":false,"objectID":"3fb42312-7662-4c67-ac03-80d1a727b708","_snippetResult":{"content":{"value":"Many older adults who have trouble affording prescription drugs and …","matchLevel":"none"}},"_highlightResult":{"content":{"value":"\u003cp\u003eMany older adults who have trouble affording prescription drugs and health care qualify for \u003ca href=\"/article/medicaid-medicare-savings-programs\" target=\"_blank\"\u003eMedicare Savings Programs\u003c/a\u003e (MSPs), which help pay for Medicare premiums and cost sharing, and the \u003ca href=\"/article/medicare-low-income-subsidy-get-extra-help-paying-for-part-d\" target=\"_blank\"\u003ePart D Low-Income Subsidy\u003c/a\u003e (LIS) program (also known as Extra Help), which helps pay for prescription drugs.\u003c/p\u003e\n\n\u003ch2\u003eNew! Trends in Medicare subsidy enrollment by race and ethnicity\u003c/h2\u003e\n\n\u003cp\u003eBuilding in part on the research desribed below, \u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/04de1331-02dc-4e8c-b9c3-098d7d82328a/2022-CBA-LIS_MSP_Infographic.pdf\" target=\"_blank\"\u003ethis 2022 infographic\u003c/a\u003e provides a snapshot of enrollment trends into LIS and the MSPs, including variations by race and ethnicity. The two Medicare low-income subsidy programs disproportionately serve beneficiaries in communities of color who tend to have lower incomes and modest savings.\u003c/p\u003e\n\n\u003ch2\u003eEstimating take-up rates in LIS \u0026amp; MSP\u003c/h2\u003e\n\n\u003cp\u003eDespite the availability of these subsidies to qualified Medicare beneficiaries, there is a gap in the literature on the take-up rate in these programs. This 2020 NCOA Issue Brief\u0026nbsp;provides an estimate of eligibility, enrollment, and take-up rates in MSPs and LIS among the age 65 and older non-institutionalized population for even years between 2008 and 2014. The estimates reveal that the take-up rate in MSPs was 63.4% in 2014.\u003c/p\u003e\n\n\u003cp\u003eThe LIS enrollment rate is split between automatic enrollees\u0026mdash;those who are automatically deemed to qualify based on their enrollment in MSPs, Medicaid, or the Supplemental Security Income (SSI)\u0026mdash;and non-automatic enrollees. The LIS take-up rate among automatic enrollees was close to 100% (98.7% to be exact) in 2014, whereas the take-up rate was only 32.8% for non-automatic enrollees in 2014.\u003c/p\u003e\n\n\u003cp\u003e\u003ca href=\"https://assets-us-01.kc-usercontent.com/ffacfe7d-10b6-0083-2632-604077fd4eca/f0edeaa4-0e3f-4405-a4f4-6991259d4696/2021-CBA-Take-Up-Rates-in-Medicare-Savings-Programs-June-2020-Issue%20Brief_4-27.pdf\" target=\"_blank\"\u003eThe results of this analysis\u003c/a\u003e reveal that significant numbers of older adults are eligible for, but not enrolled in MSPs and LIS. Understanding trends in enrollment and participation is important for tracking outreach and enrollment efforts. A range of policy solutions are also offered to improve access to these important Medicare low-income assistance programs.\u003c/p\u003e\n","matchLevel":"none","matchedWords":[]},"title":{"value":"Take-Up Rates in Medicare Savings Programs and the Part D Low-Income Subsidy","matchLevel":"none","matchedWords":[]},"metaDescription":{"value":"This brief analyzes the obstacles that keeps nearly three million older adults and people with disabilities from accessing Medicare low-income subsidies.","matchLevel":"none","matchedWords":[]}}}],"nbHits":23,"page":0,"nbPages":3,"hitsPerPage":8,"exhaustiveNbHits":true,"exhaustiveTypo":true,"exhaustive":{"nbHits":true,"typo":true},"query":"","params":"attributesToSnippet=%5B%22content%22%5D\u0026clickAnalytics=true\u0026facets=%5B%5D\u0026filters=categories%3A'Research'\u0026highlightPostTag=__%2Fais-highlight__\u0026highlightPreTag=__ais-highlight__\u0026page=0\u0026query=\u0026tagFilters=","index":"prod_ncoa_date_desc","queryID":"1ce11d424174e2d22059ed284232ef20","_automaticInsights":true,"renderingContent":{},"processingTimeMS":1,"processingTimingsMS":{"_request":{"roundTrip":28},"afterFetch":{"format":{"highlighting":3,"snippeting":4,"total":8}},"total":0},"serverTimeMS":9}],"requestParams":{"attributesToSnippet":["content"],"clickAnalytics":true,"facets":[],"filters":"categories:'Research'","highlightPostTag":"__/ais-highlight__","highlightPreTag":"__ais-highlight__","page":0,"query":"","tagFilters":""}}}</script></head><body><a href="#content" class="skipLink_skipLink__xt59J screen-reader-text">Skip to main content</a><header id="masthead" class="siteHeader_siteHeader__XT02b"><div><div class="siteHeader_inners__0p_FD"><div class="siteHeader_secondary__h1g54"><div class="siteHeader_wrapper__uotep"><div class="siteHeader_navSecondary__l6VJN"><nav class="siteNavigation_siteNavigation__6KgTA siteNavigation_secondary__y7qzv" aria-label="Secondary Navigation"><ul><li><a class="siteNavigation_navLink__IGFpY" href="https://connect.ncoa.org/">Events</a></li><li><a class="siteNavigation_navLink__IGFpY" href="/research/">Research</a></li><li><a class="siteNavigation_navLink__IGFpY" href="https://www.ncoa.org/adviser/">Adviser</a></li><li><a class="siteNavigation_navLink__IGFpY" href="https://benefitscheckup.org/">BenefitsCheckUp®</a></li></ul></nav><div class="textSizer_textSizer__JbMi9"><button class="textSizer_decrease__BKOjf textSizer_active__w6ent" type="button"><span class="screen-reader-text">Decrease Font Size</span><span aria-hidden="true">A</span></button><button class="textSizer_increase__Xi1Fz" type="button"><span class="screen-reader-text">Increase Font Size</span><span aria-hidden="true">A</span></button></div><button id="search-overlay-trigger" class="searchUtilities_searchOverlayTrigger__1tqxh" type="button" aria-controls="search-overlay" aria-label="Open Site Search" aria-expanded="false" aria-haspopup="dialog"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 14 14" aria-hidden="true" tab-index="-1" width="14" height="14"><path fill="#2C2C2C" d="M9.625 8.5h-.592l-.21-.203A4.85 4.85 0 0 0 10 5.125 4.875 4.875 0 1 0 5.125 10a4.85 4.85 0 0 0 3.172-1.178l.203.21v.593l3.75 3.742 1.117-1.117zm-4.5 0A3.37 3.37 0 0 1 1.75 5.125 3.37 3.37 0 0 1 5.125 1.75 3.37 3.37 0 0 1 8.5 5.125 3.37 3.37 0 0 1 5.125 8.5"></path></svg>Search</button></div></div></div><div class="siteHeader_primary__TiJxZ"><div class="siteHeader_wrapper__uotep"><div class="siteHeader_logo__kHvn7"><a href="/"><img alt="National Council on Aging logo. 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The National Council on Aging fields surveys and analyzes the latest data to understand the shifting needs of older adults, especially those who are most at risk of health and financial insecurity. Explore our latest research reports and findings by using our search tool below.</p></div></div></div><figure class="imageWrapper_imageWrapper__eiLsy primary-image searchHeader_primaryImage__jSyRB image-wrapper"><img alt="A senior couple embraces each other, staring out of their window." loading="lazy" width="770" height="614" decoding="async" data-nimg="1" class="imageWrapper_forceFit__p_Cg8 image-wrapper-image" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F4e2fd4f0-bfc1-4935-95ba-0ee9e1869f7e%2Fsenior-couple-embracing-each-other-922754766_Hero-770x614.jpg&w=828&q=75 1x, /_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F4e2fd4f0-bfc1-4935-95ba-0ee9e1869f7e%2Fsenior-couple-embracing-each-other-922754766_Hero-770x614.jpg&w=1920&q=75 2x" 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the Nation's Retirement Crisis: The 80%</a></h3><div class="card_eyebrow__lALeW">Aug 30, 2024</div></div><div class="card-image"><figure class="imageWrapper_imageWrapper__eiLsy imageWrapper_forced-landscape__lvzSJ image-wrapper"><img alt="A jar filled with various coins has a sticky note with the words "Retirement" on it." type="image/jpeg" loading="lazy" width="1336" height="614" decoding="async" data-nimg="1" class="imageWrapper_forceFit__p_Cg8 image-wrapper-image" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F20707bb2-268a-4445-a2bb-e1afe0ce514f%2FRetirement-coin-jar_Hero_Getty-1146657942_2021-01_1336x614.jpg&w=1920&q=75 1x, /_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F20707bb2-268a-4445-a2bb-e1afe0ce514f%2FRetirement-coin-jar_Hero_Getty-1146657942_2021-01_1336x614.jpg&w=3840&q=75 2x" 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image-wrapper-image" style="color:transparent" srcSet="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F8c3097e2-1c26-497b-9e0f-65c63409a220%2FMedicare-Cliff-HRS-Analysis-iStock-1074061934-2024-8-Hero-854x480.jpg&w=1080&q=75 1x, /_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F8c3097e2-1c26-497b-9e0f-65c63409a220%2FMedicare-Cliff-HRS-Analysis-iStock-1074061934-2024-8-Hero-854x480.jpg&w=1920&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fassets-us-01.kc-usercontent.com%3A443%2Fffacfe7d-10b6-0083-2632-604077fd4eca%2F8c3097e2-1c26-497b-9e0f-65c63409a220%2FMedicare-Cliff-HRS-Analysis-iStock-1074061934-2024-8-Hero-854x480.jpg&w=1920&q=75"/></figure></div></div></li><li class="ais-Hits-item"><div class="card-container card_isHorizontal__BtIJ4 card_isListCard__LG8GF"><div class="card-content"><h3 class="heading_heading__8mSev heading_h3__nTE01 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