In addition to advocating for older Americans in the halls of Congress, AARP staff and volunteers are working on the ground in all 50 states, Washington, DC, Puerto Rico and the U.S. Virgin Islands to make a difference in people’s lives through advocacy. This year, we have helped enact state policies to support more than 30 million family caregivers and provide thousands of workers with a new way to save for retirement.
Achieving these results took a lot of hard work and dedication from state legislators, governors and other elected officials. They worked together – often across party lines – to write, support, and advance commonsense policies that make people’s day-to-day lives a little bit easier and gives them more financial security in their retirement.
To recognize these elected leaders, AARP is proud to announce our fourth annual bipartisan class of Capitol Caregivers who fought to increase support for family caregivers and their loved ones along with our third annual bipartisan class of Super Savers who fought to help more Americans retire with confidence.
Every day, 40 million Americans help parents, spouses and other loved ones live independently at home, where they want to be. Family caregiving is a labor of love, to be sure, but it can also be a challenge. Care responsibilities can include providing transportation, cooking meals, managing finances, performing complex medical tasks, helping with bathing and dressing, and so much more. Sixty percent of family caregivers juggle full- or part-time jobs with their caregiving duties, and many are still raising their families.
AARP is fighting for commonsense solutions to make these big responsibilities a little bit easier—and we’ve seen real progress in states across the country.
AARP’s 2017 class of Capitol Caregivers recognizes 91 state legislators, five governors, one lieutenant governor, and one justice from more than 30 states, who advanced policies that:
A list of AARP’s 2017 Capitol Caregivers and the legislation they championed can be found here.
Today, 45 percent of working-age households have no retirement savings at all. At AARP, we believe everyone should be able to retire with confidence. That’s why we’re fighting for Work and Save plans that give more workers access to a payroll deduction retirement savings plan. Employees who are able to save for retirement out of their regular paychecks are 15 times more likely to save.
AARP’s third class of Super Savers includes six state legislators and two state treasurers who were integral to the passage of state-facilitated retirement programs in 2017.
A list of AARP’s 2017 Super Savers and the legislation they championed can be found here.
More work to do . . .
In 2018, AARP will continue to work with elected state leaders across the country to fight for the issues that matter to you and your families. To stay up-to-date on our progress, or get involved, sign up here.
2014 Capitol Caregivers
2015 Capitol Caregivers
2016 Capitol Caregivers
2015 Super Savers
2016 Super Savers
Nancy LeaMond is AARP chief advocacy and engagement officer. She leads the organization’s Communities, State and National Group, including government relations, advocacy and public education for AARP’s social change agenda. LeaMond also has responsibility for AARP’s state operation, which includes offices in all 50 states, the District of Columbia, Puerto Rico and the U.S. Virgin Islands.
You can follow her on Twitter @NancyLeaMond.
Photo courtesy of iStock
Being a family caregiver—that is, providing unpaid care to a parent, spouse, friend or other adult loved one—is hard work. It can also be rewarding work. The struggles, frustrations and stress associated with this caregiving journey cross gender lines. While the “typical” family caregiver is a 49-year-old woman who takes care of a relative, 4 out of 10 caregivers are men.[i]
Men, often due to societal perceptions, have been less likely to talk about the emotional and economic challenges of caregiving. For example, a male family caregiver in a recent focus group summed it up well: “My dad taught me that men don’t cry. I don’t want to be crying on somebody’s shoulder.” From the playgrounds to the basketball court, from television images to song lyrics, the stereotypical drumbeat of manhood is reinforced: Man-up. Be strong. Men are not supposed to cry. Do these sentiments—sometimes spoken, sometimes implied—sound familiar?
Such beliefs can have a lasting impact on the individual who must decide whether to conform to or combat these societal perceptions. They also have implications for industries and workers like health professionals and other service providers, who may not understand the multidimensional role men are playing in what society typically views as predominantly a woman’s role.
The role of family caregiver is one example. There are 40 million family caregivers in the United States helping with everyday activities and personal tasks ranging from bathing, dressing, wound care, and medication management to transportation and finance and more.
A recent AARP Public Policy Institute report found that men represent 40 percent of all family caregivers; that’s 16 million male family caregivers.
A diverse group in many respects, these husbands, brothers, sons, sons-in-law, partners, friends, and neighbors are joining—either by choice, obligation, or necessity—the army of family caregivers providing care across the country. They are breaking stereotypes and misconceptions. Contrary to popular belief, male family caregivers are not just managing finances or helping with housework. They are also assisting with dressing, bathing, and toileting as well as performing medical and nursing tasks such as injections, tube feedings and wound care.
Many men feel unprepared or uncomfortable taking on these tasks. Although most male caregivers agree that caregiving is stressful, very few reach out for help; they often avoid talking about their situation with others and don’t feel comfortable discussing the emotional challenges of caregiving.
In many cases, male family caregivers are caring for a spouse or partner. The PPI report shows that spousal caregivers in general face unique challenges, in part because they may lack an adequate support network.
However, there were differences between males caring for a spouse and those caring for a parent.
- They provide more hours of care, and are more likely to be primary caregivers with little to no support from other family members, compared to male family caregivers taking care of a parent or other relative.
- Men caring for a spouse reported having been a caregiver for a longer period of time than other unpaid male family caregivers (5.1 years compared to 3.9).
Caregiving is not easy for any caregiver, men included. A recently released series of videos highlight the unique experiences of male caregivers: a millennial caring for his wife and their young daughter, a partner sharing the challenges and triumphs of caring for a terminally ill partner, a traditional-style support group for African-American male family caregivers, and an organization that support a group of male family caregivers of partners with a terminal illness.
By seeing and then understanding these diverse experiences, challenges, and needs, we can develop tools and resources to meet this sizable and growing group of family caregivers where they are. Caregiving is an issue where men and women can work together to support one another along this important yet challenging path.
Jean Accius is vice president of livable communities and long-term services and supports for the AARP Public Policy Institute. He works on Medicaid and long-term care issues.
Photo courtesy of iStock
Families and close friends are the most important source of support to older people and adults with a chronic, disabling or serious health condition. They already take personal responsibility for providing increasingly complex care to the tune of $470 billion (as of 2013). That figure, representing family caregivers’ unpaid contribution in dollars, roughly equals the combined sales of the four largest U.S. tech companies (Apple, IBM, Hewlett Packard and Microsoft, $469 billion) in 2013.
The out-of-pocket hit
Caregiving families feel great uncertainty and high anxiety about how they will continue to pay for long-term services and supports (LTSS) for a relative or close friend with increasing self-care needs. And for good reason. Family caregivers not only provide help with daily activities and carry out complex medical and nursing tasks, they also spend a considerable amount of money out of pocket for caregiving.
Out-of-pocket spending for caregiving generally refers to the purchase of goods and services on behalf of the person the family caregiver is helping. This can include housing, medical and medication premiums, copays, meals, transportation, mobility and other assistive devices, supportive services (such as adult day services and paid home care), and other goods and services.
A recent AARP research study finds that more than 3 in 4 family caregivers (78 percent) report incurring out-of-pocket costs as a result of caregiving. In 2016, family caregivers of adults on average spent nearly $7,000 on out-of-pocket costs related to caregiving, amounting to 20 percent of their total income. Among racial or ethnic groups, out-of-pocket spending for caregiving was highest among Hispanic/Latino family caregivers. They spent an average of $9,022, representing 44 percent of their total income in 2016.
Caregiving, therefore, can have a major impact on one’s current and future financial situation. A consensus report from the National Academies of Sciences, Engineering, and Medicine concludes that family caregiving for older adults poses substantial financial risks for some family caregivers. Especially vulnerable to financial harm are families caring for older relatives with significant physical impairments or dementia, low-income family caregivers, and those who live with or live far away from their older relative who needs care.
Family caregivers can ill afford to shoulder more of the human and financial costs of caregiving.
Burdened by these expenses, family caregivers may even need to decrease spending on themselves, and that can undermine their health and well-being and put them in greater financial peril. The new AARP research shows that as a result of out-of-pocket costs, family caregivers of adults report dipping into savings, cutting back on personal spending, saving less for retirement, taking out loans to make ends meet, and forgoing treatment for their own health problems to cover caregiving costs.
Most family caregivers today work at a paying job, and they make up an increasing proportion of the labor force. Yet family caregivers may lose income, Social Security and other retirement benefits, health insurance, and career opportunities if they have to cut back on work hours or leave the workforce because they cannot afford to pay for outside help for their relative.
These financial burdens, as well as the emotional and physical strains of unpredictable and prolonged LTSS, are beyond the capacity of many caregiving families.
While the unpaid contributions of family caregivers fill big gaps in health care and LTSS, policies that view LTSS as only a personal responsibility do not work anymore. The degree to which our society cares for its older citizens and persons with disabilities is one of the most consequential issues of our time as our population ages and we face a growing care gap.
It is time to provide access to dignified, compassionate and affordable care. Better financial relief is sorely needed to help address the financial challenges of caregiving. This is the right thing to do and a social and economic imperative.
Lynn Friss Feinberg is a senior strategic policy adviser for the AARP Public Policy Institute. She has conducted policy analysis and applied research on family caregiving and long-term services and supports for more than 30 years.