The AARP Public Policy Institute's nonpartisan policy analysis focuses on issues of critical importance to older Americans and draws on the work of experts across the ideological spectrum.

How Does Earnings Inequality Affect Social Security Financing?

As income inequality has grown significantly over the last several decades, earnings that eclipse Social Security’s taxable maximum have continued to grow along with it. The result is a significant reduction in the amount of money available to pay Social Security beneficiaries, this report finds. 

Unlocking the Potential of Emergency Savings Accounts

Despite the United States being in the midst of a prolonged period of economic growth and record-low unemployment, a large share of Americans remain just one surprise event away from financial distress. This report focuses on emergency savings accounts as one potential solution to short-term financial fragility. 

Achieving Economies of Scale in State-Facilitated Retirement Savings Programs: The Case for Multi-State Collaboration

States have considered creating individual retirement savings programs that would serve only their own citizens. However, states should explore other models — ones based on a multi-state or regional approach that would enable participating states to provide even better services to their citizens.

A Look at College Costs across Generations

College costs have risen dramatically over the past several decades. This report compares college costs from 1964-1965 up through the present day, and examines how higher costs—and increased borrowing—may affect young workers’ future retirement security. 

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Rx Price Watch Report: Brand Name Drug Prices Increase More than Twice as Fast as Inflation in 2018

Retail prices for widely used prescription drugs increased, on average, between 2006 and 2018. In 2018, retail prices for 267 brand name prescription drugs widely used by older adults increased by an average of 5.8 percent. In contrast, the general inflation rate was 2.4 percent over the same period.

Rx Price Watch Report: Trends in Retail Prices of Prescription Drugs Widely Used by Older Americans, 2017 Year-End Update

Retail prices for widely used prescription drugs increased by an average of 4.2 percent in 2017. In contrast, the general inflation rate was 2.1 percent over the same period.

Section 1332 State Innovation Waivers: Understanding Federal Law and Guidance 

Section 1332 State Innovation Waivers, named after the section of the Affordable Care Act (ACA) that created them, are intended to allow states to implement innovative or alternative strategies to achieve health coverage. This report highlights five key steps that states should take to understand and evaluate the impact of these waivers on older adults.

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Long-Term Services & Supports State Scorecard

A State Scorecard on Long-Term Services and Supports for Older Adults, People with Physical Disabilities, and Family Caregivers

Fast-tracking Approval for Publicly Funded LTSS: Presumptive Eligibility

Part of the Long-Term Services & Supports State Scorecard Promising Practices, this paper examines Presumptive Eligibility programs in five states -- Michigan, Ohio, Rhode Island, Vermont, and Washington – comparing key features and making recommendations for effective programs that increase access to Long-Term Services and Supports. 

Long-Term Services and Supports

In 2018, about 14 million adults of all ages needed long-term services and supports (LTSS). This fact sheet takes a closer look at what LTSS encompass, who needs these services, who provides care and where it’s provided, what paid LTSS cost, and who pays for LTSS.

Emerging Innovations: Mobility Managers

Mobility managers are transportation coordinators for older adults, people with disabilities, veterans, and other members of the riding public. This paper highlights who mobility managers are and what they do—and why they are important now and in the future. It highlights emerging innovations from five case studies.

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Valuing the Invaluable 2019 Update: Charting a Path Forward

Part of a series of papers on the economic value of family caregiving, this report updates national and individual state estimates of the economic value of family caregiving using the most current data available. In 2017, about 41 million family caregivers in the United States provided an estimated 34 billion hours of care to an adult with limitations in daily activities. The estimated economic value of their unpaid contributions was approximately $470 billion. 

Home Alone Revisied: Family Caregivers Providing Complex Chronic Care

The role of many family caregivers has dramatically expanded to include performing medical/nursing tasks once provided only in hospitals, such as managing  medications, wound care, and giving injections. This report exdamined what family caregivers who perform medical/nursing tasks experience and takes a closer look at specific difficult tasks,such as managing incontinence, pain, and special diets. It also offered greater attention toresources and outcomes as well as family caregiver experiences by gender, generation, and culture. 

Disrupting the Marketplace: The State of Private Long-Term Care Insurance, 2018 Update

The long-term care insurance (LTCI) industry is undergoing a transformation and is responding to consumer concerns about the high cost and complexity of LTCI by developing alternative products that are more affordable and flexible to meet the coverage needs consumers.  This report includes facts and figures on LTCI and information on the emerging market for short-term care products.

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