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Diana M. Pearce

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Changing the Federal Poverty Measure...or Not

Posted: 03/04/10 02:39 PM ET

Change in the outdated federal poverty measure is long overdue. Nevertheless, the Department of Commerce's announcement of a new Supplemental Poverty Measure (SPM) should be greeted with caution. It will not change things nearly as much as its proponents hope, and may have some unexpected effects.

What the SPM will do, is rise as living standards rise, rather than fall further and further behind -- as is the case with the current poverty measure. Indeed, the latter is "frozen" at the level of a basket of goods and services adequate for families in the 1950s, updated only for inflation. It does not allow for rapidly increasing costs, such as health care and taxes or "new" costs such as child care.

What the SPM won't do is raise the thresholds very much. Because it only includes some costs -- housing, utilities, food and clothing -- it starts at not much above the current, much too low level. In fact, since it will also introduce geographic adjustments reflecting differences in housing costs, the SPM is likely to result in lowering thresholds in less expensive areas such as rural counties or the South below the current federal poverty measure. In short, the SPM is a measure of deprivation, not a full measure of what people and families need to meet their basic needs.

What the SPM will do is take into account the impact of cash and some in-kind benefits, as well as taxes and tax credits. Thus it can measure the impact of aid that improves the well-being of the poor, a good thing. But there is a catch: it only does this for aid that mirrors costs that are in the threshold, such as housing and food. For work-related costs and health care, it only subtracts actual spending from income. As a result, those with enough for the bare basics of food and housing, but are too poor to afford sufficient health or child care, ironically do not get counted as poor.

When the SPM changes are combined, they counter each other, so that the count of the poor will likely increase somewhat, but not by much. At the same time, it does change who is counted as poor. Somewhat surprisingly, When New York City implemented a version of the SPM elderly poverty increased substantially, while the count of poor families with children decreased slightly.

The SPM only partly cures what ails the federal poverty measure. The most common critique of the federal poverty measure is that it is too low, resulting in an undercount of the poor and restricting of the Safety Net, as documented in Battered by the Storm http://www.ips-dc.org/reports/battered-by-the-storm . Indeed, most federal aid programs set eligibility at a multiple of the federal poverty line, from 130% (for Food Stamps) to as high as 400% (for S-CHIP, the State Child Health Insurance Program).

As a deprivation measure, the SPM still leaves the need for a measure that takes into account all the needs of a family, including not only food and housing (including utilities) but also health care, child care, transportation, as well as taxes and tax credits. That would require a measure like the Self-Sufficiency Standard or the Economic Policy Institute's Basic Family Budgets which do assess the cost of all needs, and are varied by place and family type. Those who would like to see a more accurate and realistic count of poverty should push for the Census Bureau to open the SPM development process to public comment, to the end of creating a measure that truly reflects the 21st century realities facing the working poor. Only then can we hope to find who, where and why we still have poverty in the richest nation on earth.

 
 
 
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02:40 PM on 03/05/2010
Diana, do you have any information about what this new measure will use to describe local housing costs? I know the SSS uses the HUD FMRs, which are usually the 40th percentile of available rental housing in a particular county. Will this use, say, the 20th percentile? 10th?

I keep hoping that someone will seek to understand the underlying cause of poverty, and pursue its eradication, rather than nibbling at the leaves.

The most logical model I've seen comes from the ideas commonly associated with Henry George.

Like Linda, I appreciate that you are fighting the good fight, in terms of seeking to measure both the real cost of living -- the just-getting-by figure. And I applaud the additional related "Overlooked and Undercounted" studies which seek to quantify the number of people who live below the SSS level. I wish, however, that you would add a single other statistic to the latter studies: the percentage of children of various ages who live in families with incomes below the SSS. I've calculated it at roughly 35% to 40% in the states for which the data has been provided; see http://lvtfan.typepad.com/lvtfans_blog/self-sufficiency-standard-studies/.

What we don't measure, we can't manage.

But the only way to reduce poverty is to end it: to get rid of the structures which produce it. For this, I encourage you to look to the ideas of Henry George; see http://www.wealthandwant.com/
12:27 PM on 03/05/2010
"why we still have poverty in the richest nation on earth."

Aid to the needy can be improved, and clearly we can find a better definition of "economic wellness", but we will always have poverty because there will always be 10% of the people in the lowest 10%. Poverty in the US may be something people in other countries would aspire to, but we should continue to provide people with the means to better themselves.
03:04 PM on 03/05/2010
Keep in mind that the top 20% of us receive 60.96% of the pre-tax income [2006]; that the top 10% of the income spectrum held 59.45% of the net worth, and the top 20% of us, by income, held 70.37% of the NW [2007]. [Source: 2007 Survey of Consumer Finances Chartbook]

Here it is by quantile -- again, 2006:
* Top income decile: 47.19% of the before-tax income
* Second income decile: 13.77%
* Top income quintile: 60.96%
* Second highest income quintile: 18.18%
* Middle income quintile: 11.23%
* Fourth highest income quintile: 6.72%
* Bottom income quintile: 2.92% of before-tax income

So yes, 10% will always be in the bottom 10%. But keep in mind that the bottom 40% have less than 10% of the income. And if you tell me that the lowest income group includes elderly folks living off savings, consider that the bottom 20%, by income, had 3.77% of the net worth, and the bottom 60%, by income, had 16.15%.

The reason we still have poverty is that we've permitted structures which create poverty and which funnel our nation's income and wealth into the pockets of a very small minority of us.

Start studying those structures. That's the first step.

Henry George wrote, "It is as though an immense wedge were being forced, not underneath society, but through society. Those who are above the point of separation are elevated, but those who are below are crushed down."
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ibsteve2u
Someone who cares - to his unending regret
12:00 AM on 03/05/2010
I get the impression that staying "on message" is as critical to a Democratic Administration as it is to a Republicans one.

This redefinition that yields "those with enough for the bare basics of food and housing, but are too poor to afford sufficient health or child care, ironically do not get counted as poor." reminds me of the Bush Administration's elimination of the M3 money supply figures.

It seems that if you cannot do the job right, you have the option of redefining "right".

But overall the method of determining where an American family lies on the poverty tables is incredibly bogus; to not include the cost of transportation to a job - in terms of gasoline prices and mandatory insurance premiums - is criminal.

And, quite obviously, any eventual mandatory health insurance premiums should also be included.
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Diana M. Pearce
07:03 PM on 03/04/2010
You are so right, Linda from Deefield, that the CPI way underestimates the inflation in basic needs like housing and health care. These are going up much faster than the CPI. We have been calculating the Self Sufficiency Standard since 1996, and we are finding that, depending on place and family type, the actual costs are going up 1%-3% faster per year than the CPI estimate. And, as you note, some things like Health care, are going up much much faster...I am guessing the problem is that the CPI includes things that have fallen in cost, as they got more competitive, think cell phones, computers, airplane tickets...but the basics like housing, child care, and health care, are going up a lot faster. Even now, when everything else is on sale, how many of us saw our rent or mortgage go down?
Linda from Deerfield
Paying attention
02:09 PM on 03/05/2010
Thank you for fighting the good fight. I am absolutely convinced that the fundamental reason why our economy is struggling is that the stagnation of wages, coupled with raging health care and housing costs, guarantees that the pool of discretionary dollars will shrink and disincentivize business. As you seem to say, the CPI fools us by encompassing the falling price of many discretionary items that are slowly but surely being squeezed out of personal budgets.

The fundamental flaw seems to be that we got the service economy that was laid before us and haven't fully recognized the implications. Wages have become such an inordinate element of costs, fiercely constrained to match perceived inflation, that people cannot generate the discretionary funds to feed economic growth when their largest unavoidable expenditures are outpacing inflation.

Even the current plunge in home values still seems inadequate to correct the situation, while the plunge itself inflicts its own damage. Containing the outsized inflation of health care costs is the only other arena where there seems any chance of having an impact on the negative trend of more poverty -- no matter how it is measured -- and forfeiture of health care, plus a stagnant or shrinking economy.
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Konnie
GOP = GOLDEN CALF OLD PARTY
06:15 PM on 03/04/2010
i think that in order to come to an accurate amount, those in charge of coming to the number and their families should try living at the current amount for say 6 months. then let them come to the final conclusion on what the national poverty level should be. Let's see what would happen to that bare essentials list then.........
the book NIckel and Dimed said it all.
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Diana M. Pearce
06:57 PM on 03/04/2010
Even doing so for one month, or even one week, proves hard for many. Whenever we do a class "exercise" of figuring out the Standard for an area, students, even those with children, marvel that it is so low, how could one get food or an apartment, much less decent child care for that amount. If you want to get an idea of what your Self-Sufficiency Standard is, and how much more it is than the federal poverty level, go to www.selfsufficiencystandard.org and click on your state. Or, if you live in Washington state (or New York CIty, Pennsylvania, Colorado, or California), there are online calculators available...
05:33 PM on 03/04/2010
It seems to me that something called the "Federal Poverty Line" should actually reflect... poverty! When you have aide programs funding at 400% of the line, and that 400% is actually still quite poor, it tells you that the Feds are doing a very bad job of actually counting the poor in this country and defining in reality what poor really means.

SPM seems like a good first step but things like the self sufficiency standard are far better measuring tools.
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Diana M. Pearce
07:09 PM on 03/04/2010
Not only do the Feds not count those who are above 100% of the federal poverty measure, but below 400% (in expensive places), but that results in not doing anything about it...if you are not "poor" by the Feds' definition, then there is no need to provide aid...we had a devil of a time getting S-CHIP (children's health insurance) in Washington state, arguing that people with 350% of federal poverty or less, needed help to get their kids insured, and they did need help.
Linda from Deerfield
Paying attention
05:30 PM on 03/04/2010
I am aware of this problem, and I can appreciate the difficulty. Basic cost of living for my husband and me is not really a great amount, except for property taxes (paid off mortgage) and health insurance. Either one by itself is more than it costs us to have food, heat, light, and basic integration with the world around us. Both the property taxes and the health insurance have been going up 10%-15% per year, occasionally much more.

For about 10%-15% of our current home's value, and nearly negligible property taxes, we could live in an identical house where there are no jobs, distant access to health care, and encroaching meth labs. Health care would remain the same unless we took the gamble of dropping insurance.

CPI as it has been calculated for decades is not a fair starting point when it neglects the overwhelming and extraordinarily inflationary role of health care and of property taxes in living where there is opportunity and access. If the definition of poverty requires that you leave behind much chance of progressing, just to live, then you guarantee its perpetuation.

You can't win. The money to keep a modest roof over one's head is, I believe, perfectly and inversely proportional to local job opportunities. Outside of that, health care is the defining factor -- if it is not subsidized by an employer or tamed by reform, then you have to decide whether health care is a luxury or a necessity.
Linda from Deerfield
Paying attention
06:06 PM on 03/04/2010
I just realized that it was incorrect to say that the relationship of housing costs to the number of local jobs is inverse -- it is directly proportional. The more local job opportunities, the higher the cost of housing / property taxes, and vice versa.
02:49 PM on 03/05/2010
You're talking about the economic rent created by the presence of population, and by economic activity, and by our common investment in infrastructure and services which make a community appealing to live in and conduct business in. It is why San Francisco is expensive to live in, and rural Wilcox County, Alabama, is inexpensive; one might actually be able to meet one's most simply defined needs at the poverty level in the latter, but need 500% of the current poverty level to just get by in San Francisco.

Were we to treat that economic rent [e.g., the rental value of urban land] as our common treasure, instead of trying to tax wages and sales, we'd create healthier and more just local economies. I'll go so far as to suggest that many of our largest fortunes are based on the (totally legal) privatization of urban land value. Remember Leona Helmsley's observation? "WE don't pay taxes. The little people pay taxes." (Everyone thought she was talking about tax evasion, but she was accurately describing tax structure.)