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Identity Theft: Who’s At Risk?

October 27, 2014 Comments off

Identity Theft: Who’s At Risk?
Source: AARP Research

This AARP Fraud Watch Network study aimed to assess Americans’ habits around protecting their personal and financial information. Overall, the study finds that many are not taking precautions necessary to reduce their risk of identity theft.

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A Sense of Déjà Vu: The Debate Surrounding State Biosimilar Substitution Laws

September 23, 2014 Comments off

A Sense of Déjà Vu: The Debate Surrounding State Biosimilar Substitution Laws
Source: AARP Public Policy Institute

The Affordable Care Act created an approval pathway for less expensive generic versions of biologic drugs, known as biosimilars, or follow-on biologics. This Insight on the Issues discusses controversial new state legislation that could greatly limit the savings from biosimilars and notes similarities to the debate ignited by the passage of federal legislation that encouraged the development of traditional generic drugs.

Work and Health Insurance for 50- to 64-Year Olds

September 12, 2014 Comments off

Work and Health Insurance for 50- to 64-Year Olds
Source: AARP Public Policy Institute

Work is a critical gateway to health insurance. Nearly two-thirds of 50- to 64-year olds had employer-sponsored health insurance in 2012 . But working is not a guarantee of employer-sponsored health insurance. Part-time workers and the self-employed are much less likely than full-time workers to have insurance through their employment. Getting coverage as a dependent on a family member’s employer plan plays an important role for some workers and nonworkers. Health reform offers new coverage options to workers and others who do not have access to coverage through work.

This Fact Sheet discusses the prevalence of employer coverage among 50- to 64-year-olds overall and by work status as of 2012, and new options for coverage.

Family Caregivers Providing Complex Chronic Care to People with Cognitive and Behavioral Health Conditions

August 28, 2014 Comments off

Family Caregivers Providing Complex Chronic Care to People with Cognitive and Behavioral Health Conditions
Source: AARP Public Policy Institute

Family caregiving is difficult and stressful. Providing care and support to people with cognitive or behavioral health conditions is doubly challenging. This paper reports on results from a national survey showing that caregivers of family members with challenging behaviors were more likely to perform more than one medical/nursing task, such as managing medications, and often do so with resistance from the person they are trying to help. Yet they receive little or no instruction or guidance on how to do this important work. This analysis offers recommendations for assisting family caregivers who play this dual role.

This is the third “Insight on the Issues” series, drawn from additional analysis of data based on a December 2011 national survey of 1,677 family caregivers, 22 percent of whom were caring for someone with one or more challenging behaviors. Earlier findings were published in the groundbreaking Public Policy Institute/United Hospital Fund report Home Alone: Family Caregivers Providing Complex Chronic Care.
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2014 Multicultural Population Quick Facts

July 22, 2014 Comments off

2014 Multicultural Population Quick Facts
Source: AARP Research

This set of fact sheets provides a one-page snapshot of 50+ African American and Hispanic populations in select metropolitan markets.

Each fact sheet includes information on the population size, education, employment, income, grandparents living with grandchildren, food insecurity and buying power. Hispanic/Latino fact sheets also include data on citizenship status and English language use.

Data points are based on the most recent available from cited sources and represent the 50+ population unless otherwise indicated.

Impact of Finances 50+ Training Classes on Individuals’ Financial Behaviors

July 15, 2014 Comments off

Impact of Finances 50+ Training Classes on Individuals’ Financial Behaviors
Source: AARP Research

AARP Foundation, in collaboration with Charles Schwab Foundation, designed and disseminated a financial capability curriculum targeted to the 50+ age group to approximately 11 organizations nationwide. Classes were offered beginning in September 2012 through December 2013. Approximately 2,775 people participated in these classes.

The purpose of the report is to evaluate the impact of the financial training by:

  • Comparing behaviors relating to key financial topics before and after participating in the class
  • Determining whether desired financial behaviors increased after participating in the class

A pre-test post-test evaluation methodology was designed by AARP in which financial behaviors, including behaviors around spending, saving, budgeting, investing, handling debt, etc., were measured prior to training and at two follow-up time points (3- and 6-month post training). Analysis of respondents’ financial behaviors pre- and post-training reveals notable findings on the impact of the training classes:

1. Participants’ levels of anxiety about their financial situations decreased significantly from before to after the training, with the proportion “very worried” dropping by 36% (from 22% to 14%) from pre-training to six months post-training, while those “not very/not at all worried” increased 24% (from 34% to 42%) during the same time period.

2. Participant scores on the Financial Management Behavior Scale (FMBS) measured at three points in time show that there was a statistically significant improvement in average scale scores pre- and post-training.

3. Looking at other discrete indicators of change in financial behaviors, most significant post-training (6-month) change was found in the following “positive” behaviors:

  • calculating net worth
  • reducing financial fees
  • reducing spending and/or increasing earnings
  • prioritizing debt payment
  • reviewing credit card statement

Likewise, frequency of some “negative” behaviors declined significantly 6 months post, including:

  • being overdrawn
  • being contacted by a collector
  • taking out a payday loan

4. Developing a clear financial goal was a major accomplishment for those who took the training, with a 50% improvement rate in participants setting a goal. Among those with a defined goal, the proportion with an Action Plan increased 40% by the end of the study period.

AARP — African American/Black Social Issues Study

July 8, 2014 Comments off

African American/Black Social Issues Study
Source: AARP

This study examined the importance of key social issues facing African-Americans/ Blacks who are age 50 or older. It also gauged their optimism in regard to these social issues.

Key findings from the study show:

  • Access to high quality health care and having a financially secure retirement are the most important issues facing age 50+ African-Americans/Blacks age 50 and older.
  • The respondents are more optimistic that the country is moving in the right direction in regard to access to high quality health care.
  • There is less optimism that the country is moving in the right direction in regard to having a financially secure retirement.
  • Respondents age 75 and older are more optimistic than those ages 50-64 that the country is moving in the right direction about having a financially secure retirement.
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