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United Way ALICE Project Michigan June 2014

United Way ALICE Project Michigan June 2014. Stephanie Hoopes Halpin , PhD School of Public Affairs and Administration Rutgers University-Newark. “ALICE - Asset Limited, Income Constrained, Employed” A Study of Financial Hardship in Michigan . Introduction Letter

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United Way ALICE Project Michigan June 2014

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  1. United Way ALICE ProjectMichiganJune 2014 Stephanie HoopesHalpin, PhD School of Public Affairs and Administration Rutgers University-Newark

  2. “ALICE - Asset Limited, Income Constrained, Employed”A Study of Financial Hardship in Michigan • Introduction Letter • The ALICE Project - Summary • Executive Summary • Introduction

  3. Michigan ALICE Research Advisory Committee Luke Shaefer, Assistant Professor, University of Michigan Greg Pordon, Community Resource Coordinator, Department of Human Services - Washtenaw County David Clifford, Professor Health Administration & Co-Director, Institute for the Study of Children, Families & Communities, Eastern Michigan University Peter Ruark, Senior Policy Analyst, Michigan League for Public Policy Huda Fadel, Manager, Social Mission, Blue Cross Blue Shield of Michigan Brian Pittelko, Regional Analyst, W.E. Upjohn Institute for Employment Research Bridget Timmeney, Special Project Coordinator, W.E. Upjohn Institute for Employment Research

  4. Michigan ALICE Research Advisory Committee (cont) Jane Johnson, DHS Director & UW Board member, Department of Human Services - Muskegon County Lee Coggin, College President & UW Board Chair, Baker College of Muskegon Barbara Mitzel, Area Manager, Public Affairs for Consumers Energy Jennifer Callans, Research Specialist, United Way for Southeastern Michigan David Callejo Perez, Carl A. Gerstacker Endowed Chair in Education, Saginaw State Valley University Joshua Long, Data Driven Detroit Amy Palmer, ALICE Steering Committee Chair, President Lenawee UW, Lenawee United Way

  5. Report outline (cont) • I. Who is Struggling in Michigan? Measure 1 -- The ALICE Threshold • II. How Costly is it to Live in Michigan? Measure 2 -- The Household Budget: Survival vs. Stability • III. Where does ALICE Work? How Much Does ALICE Earn and Save? • IV. How Much Income and Assistance is Needed to Reach the ALICE Threshold? Measure 3 -- The ALICE Income Assessment • V. What are the Economic Conditions for ALICE Households in Michigan? • Measure 4 -- The Economic Viability Dashboard • VI. What are the Consequences of Insufficient Household Income? • Conclusion - Future Prospects for ALICE Households

  6. Report outline (cont) • Appendix A - Income Inequality in Michigan • Appendix B – ALICE Threshold Methodology and Sources • Appendix C - Household Survival Budget - Methodology and Sources • Appendix D - Household Stability Budget – Methodology and Sources • Appendix E – ALICE Income Assessment –Methodology and Sources • Appendix F - Economic Viability Dashboard - Methodology and Sources • Appendix G - Economic Viability Dashboard by County • Appendix H - Table of Indicators by Municipality • Appendix I - ALICE stats by Michigan Prosperity Regions

  7. I. Who is Struggling in Michigan? • Measure 1 -- The ALICE Threshold - defined by the Household Survival Budget • Statistical picture of ALICE household demographics • race/ethnicity • age • geography • gender • family type • disability • language • immigrant status

  8. Who is ALICE?In Michigan, 40 percent of households have income below the ALICE Threshold Daily Record, 9.3.12 • Household Thresholds in 2012 • Federal Poverty Level (3 people): $19,090 • ALICE Threshold under 65 years old: $35,000 - $50,000 • ALICE Threshold over 65 years old: $20,000-25,000 Source: American Community Survey, 2012; and Household Survival Budget

  9. MICHIGAN: Number of households with income below the ALICE Threshold increased by 8 percent from 2007 to 2012. Total households: 2012: 3,817,249 2010: 3,810,831 2007: 3,849,007 2007-2012: Total HHs decreased by 1 percent from 2007 to 2012. Number of HHs below the ALICE Threshold increased by 8 percent from 2007 to 2012. Note: 2007-2010: Total households decreased by 1% from 2007 to 2010 and the number of HH below AT increased by 5%. 2010-2012: Total households remained flat from 2010 to 2012 and the number of HH below AT increased by 2% .

  10. Source: American Community Survey, 2012; and Household Survival Budget

  11. II. How Costly is it to Live in Michigan? • Measure 2 -- The Household Budget • Household Survival Budget • Household Stability Budget

  12. III. Where does ALICE Work? How Much Does ALICE Earn and Save? • Where members of ALICE households work • Amount and types of assets

  13. In Michigan, 63 percent of jobs pay less than $20/hour $15/hr = $30,000/yr Source: Bureau of Labor Statistics, Occupational Employment Statistics (OES) Wage Survey - All Industries Combined, 2012.

  14. Occupations by Employment and Wage, Michigan, 2012

  15. IV. How Much Income and Assistance is Needed to Reach the ALICE Threshold? • Measure 3 -- The ALICE Income Assessment • ALICE income – wages, social security • Public and private assistance – hospitals, nonprofits, and federal, state, and local government • Remaining gap

  16. V. What are the Economic Conditions for ALICE Households in Michigan? • Measure 4 – The Economic Viability Dashboard • The Housing Affordability Index • The Job Opportunities Index • The Community Support Index

  17. VI. What are the Consequences of Insufficient HH Income? ALICE is one emergency from crisis • Costly car repair • Can’t get to work • Lose job • Can’t pay rent/mortgage • Homeless

  18. Difficult choices for ALICE

  19. Conclusion - Future Prospects for ALICE Households • Implications of current trends • Michigan’s aging population • Projected growth of low-wage and low-skilled jobs • Strategies to assist ALICE

  20. Strategies to assist ALICE • Short-term - help ALICE weather a crisis - food pantry, TANF, and childcare subsidies, awareness of emergency services • Medium-term - quality affordable childcare, safety network, car loans, house repair, energy assistance, health clinics, secure jobs, affordable insurance • Long-term - affordable housing, attract medium skilled jobs, public transportation, healthcare coverage, higher paid jobs, housing in safe areas, reliable power and transportation infrastructure

  21. Appendix • Appendix A - Income Inequality in Michigan • Appendix B – ALICE Threshold Methodology and Sources • Appendix C - Household Survival Budget - Methodology and Sources • Appendix D - Household Stability Budget – Methodology and Sources • Appendix E – ALICE Income Assessment –Methodology and Sources • Appendix F - Economic Viability Dashboard - Methodology and Sources • Appendix G - Economic Viability Dashboard by County • Appendix H - Table of Indicators by Municipality • Appendix I - ALICE stats by Michigan Prosperity Regions

  22. Thank you http://www.unitedwaynnj.org/documents/UWNNJ_ALICE%20Report_FINAL2012.pdf

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