Our Job Is To Keep You Informed
With Virtual Platform, New York State Office for the Aging and GetSetUp Offer ‘Winter Wellness’ Initiative to Empower Older Adults
Over half a million New Yorkers have attended over 877,000 classes since 2021, through NYSOFA-GetSetUp Partnership
As winter approaches, the New York State Office for the Aging (NYSOFA) is reminding older New Yorkers about its partnership with GetSetUp, an online platform offering wellness, educational, and social engagement opportunities designed specifically for older adults. This collaboration supports New Yorkers over 65 by helping them stay connected, digitally empowered, and physically and mentally healthy throughout the challenging winter season.
NYSOFA Director Greg Olsen said, “Loneliness and isolation can have devastating effects on mental and physical health, particularly for older adults. NYSOFA is committed to combating social isolation through programs, services, and public-private partnerships. GetSetUp provides older New Yorkers with a way to stay connected and engaged with others from home, which is especially important during winter. This partnership continues to grow in popularity, reaching over half a million older adults to date, all seeking opportunities to connect and explore, improve their health and well-being, and learn.”
President and Co-Founder of GetSetUp Lawrence Kosick said, “Our goal at GetSetUp is to ensure that older adults across New York have access to meaningful connections and learning opportunities year-round. Winter can feel isolating, but through GetSetUp, older New Yorkers can stay engaged, supported, and empowered to connect with peers and learn new skills from the comfort of home with resources that promote health, well-being, and digital confidence.”
Winter Challenges and Solutions for New York’s Older Adults
In New York, where 3.2 million residents are over the age of 65, winter can be isolating and challenging, especially for the 25% of older New Yorkers who live alone. NYSOFA recognizes the impact that winter isolation can have on mental, emotional, and physical health and the need for inclusive solutions to help older adults maintain community ties, stay active, and access resources from the comfort of home. GetSetUp offers a robust array of classes that address these issues, giving older adults opportunities to learn new skills, stay active, and engage socially.
Explore GetSetUp’s Winter-Friendly Programs
- Spend the Holidays with GetSetUp—No matter what you celebrate, GetSetUp’s special holiday series offers classes on cooking, planning, and celebrating the holiday season. Connect with learners from around the world and discover how different cultures celebrate with practical tips for holiday prep.
- Ageless Fitness – Join a journey of wellness that blends physical activity with gratitude-inspired mindfulness, helping older adults maintain physical vitality and mental calm during the colder months.
- Creativity for Wellness – This arts-focused series offers a joyful exploration of creative expression, with activities like crafting, festive cooking, and musical sessions that bring seasonal warmth and connection.
- FinanceWise – A timely series that offers guidance on how to give back financially, manage savings, and find discounts that are perfect for the holiday season.
NYSOFA’s aging services network provides 20+ core services and supports annually to 1.3 million older adults. Many of these long-established programs and services are aimed at combating social isolation. They include senior center programming, social adult day care, home-delivered meals and congregate meals, volunteer opportunities, friendly visiting or friendly call programs, and in-home support. Contact your local office for the aging to learn more. Furthermore, NYSOFA has invested in several initiatives leveraging technology and digital tools to combat social isolation and provide support for caregivers. These offerings supplement direct services and support provided at the local level. Learn more by visiting https://aging.ny.gov/
To explore GetSetUp offerings and classes, visit www.getsetup.io/nystate and take a class today.
During National Nutrition Month, NYSOFA Highlights Statewide Programs Providing 22 Million Meals to Older Adults Annually, Promoting Health and Independence
Since its inception in 1975, New York’s nutrition program has served more than 10 million older adults with over 1 billion meals, making it the largest nutrition program in the country
NYSOFA’s monthly nutrition education show, “What’s Cooking with NYSOFA,” has gained nearly two million views on YouTube and Facebook as part of state and community-level SNAP-Ed NY program for older adults
During National Nutrition Month, the New York State Office for the Aging (NYSOFA) today reminds older New Yorkers and their families of the many state and local programs available to support overall health and wellness, particularly nutritional health for individuals age 60 and over. Importantly, these nutrition programs help promote healthy aging in place, fight nutritional deficiencies and associated chronic illnesses, and curb social isolation through congregate dining, grab-and-go meal programs, and home-delivered meals.
In 2023, New York’s nutrition program – the nation’s largest – provided over 22 million meals to more than 247,000 individuals. In fact, working with local offices for the aging and partners, New York has served 1,046,508,242 meals since 1975. For general information on these nutrition services, visit https://aging.ny.gov/march-
NYSOFA Director Greg Olsen said, “Food is medicine and good nutrition is not only the cornerstone of healthy aging, but it’s an important way to help prevent and manage chronic diseases. For many older adults, the home delivery of meals is a critical health and safety check, and the meal deliverer may be the only person that the older adult sees each week. These programs directly address the underlying causes of some of the most severe chronic diseases. They also provide vital connections for older adults who may otherwise experience social isolation, helping individuals maintain their independence and, in many cases, literally save lives.”
Nutrition Programs Available to Older Adults
NYSOFA administers the state’s nutrition program for older adults in partnership with 59 county-based Area Agencies on Aging (AAAs) and their local partners. The program meets the highest national standards and utilizes the expertise of Registered Dietitians (RDs) to certify that food meets these standards, combining funding from federal, state, local government, and volunteer contributions from recipients into a single, comprehensive, statewide program.
Services are provided by AAAs and their community partners in every county of the state. Nutrition services include congregate and home-delivered meals, nutrition education and counseling, as well as referrals to additional supports and benefit programs.
Congregate meals are provided at almost 800 community dining sites throughout New York. Home-delivered meals are for individuals unable to shop and prepare meals and who don’t have assistance doing so. Anyone over 60 can access congregate meals, and those needing a meal at home have to meet eligibility criteria.
Income-based nutrition assistance is also available for older adults, including help paying for food through the Supplemental Nutrition Assistance Program (SNAP) and the Senior Farmers’ Market Nutrition Program, which provides coupons to buy locally-grown fresh fruits and vegetables at participating farmers’ markets. The average SNAP benefit for an older adult is approximately $200 per month, or $2,400 per year.
To access any of these vital programs, contact your local Office for the Aging using NYSOFA’s directory, or call the NY Connects helpline at 1-800-342-9871. You can also find further program background and application information on NYSOFA’s nutrition assistance page and our video tutorial to apply on your own.
SNAP-Ed NY Digital Programs
The statewide SNAP-Ed NY program provides nutrition education and health promotion activities for older adults to support healthy eating. NYSOFA provides SNAP-Ed programs to older adults at the statewide and regional levels in partnership with the New York State Office of Temporary and Disability Assistance. These programs are overseen by a team of Registered Dietitians and experts who specialize in nutrition for older adults.
NYSOFA’s monthly SNAP-Ed NY cooking demonstration on Facebook and YouTube features delicious, nutritious, budget-friendly meals. The program also includes information about dietary guidelines, meal planning, portion sizes, and much more for older adults. “What’s Cooking with NYSOFA” streams on Facebook and YouTube the final Friday of every month at 1 p.m. The program reached one million views on YouTube and 980,000 views on Facebook during its most recent 2022-2023 season. Read about the streaming success here.
To learn more and watch program archives, visit https://aging.ny.gov/
SNAP Video Tutorial
In 2022, New York State streamlined the SNAP enrollment process to make it easier for older adults to participate, including a shorter SNAP application and less frequent recertification periods (every 36 months instead of 24). To outline these important changes, NYSOFA produced a video with tips to help people complete the new application process.
In 2024, Administration for Children’s Services Keeps Children Safe, and Supports Youth and Families By Increasing Access to Child Care Vouchers, Prevention Services, and College for Youth in Foster Care, and More!
ACS Expanded Access to Child Care Assistance to 50,000 Children, Provided Supports to Thousands of Families in Need with a 500% Increase in Calls to the Support Line, Helped 53 Justice-Involved Youth Graduate, and Enhanced its OIT Infrastructure, Hiring of Frontline Staff and Facilities for Staff and Families
New York: As 2024 comes to a close, the Administration for Children’s Services (ACS) is highlighting the progress the agency has made to keep children safe, and families and youth supported. ACS continues to invest in upstream strategies the connect families to much-needed resources and services outside the traditional child welfare system. Over the past year, ACS has expanded its Family Preservation Program, launched its new School-Based Early Support prevention model, provided parents with information about their rights at the start of a child protection investigation, helped over 400 youth in foster care and the juvenile justice system go to college or receive college credits, and hired more staff to help us get the important work done.
“From day one, our administration has focused on creating a safer, more affordable New York City. In 2024, we continued to deliver on that vision and ‘Get Stuff Done’ for working-class New Yorkers,” said New York City Mayor Eric Adams. “Thanks to our extraordinary public servants, America’s safest big city got even safer this year, with overall crime down and thousands of illegal guns, mopeds, and ghost cars taken off city streets. We passed historic legislation to turn New York into a ‘City of Yes,’ shattered affordable housing records once again, and put billions of dollars back into New Yorkers’ pockets. We broke records for the most jobs and small businesses in city history and moved millions of trash bags off our sidewalks and into containers. But we know that there is even more we can do to continue to uplift working-class families. As we look to the future, our administration remains committed to keeping New Yorkers safe and making our city more affordable for the millions of New Yorkers who call our city home.”
“Over the past year, ACS has continued to develop and implement new strategies and initiatives to keep children safe, and better support families, as well as the children and youth in our care,” said ACS Commissioner Jess Dannhauser. “Through connecting families to services before the need for child protection involvement, increasing access to child care assistance to more than 50,000 low income New Yorkers, helping more youth in our care go to college and achieve academically, and more, we are helping New York City families thrive. As 2024 comes to an end, I want to thank the entire ACS team, and our provider network, for the work they do each and every day, and for all that we will accomplish together in 2025.”
Highlights from ACS’s 2024 accomplishments include:
Keeping Children Safe:
Expanding the Family Preservation Program (FPP): In the summer of 2024, ACS added additional staff and units for FPP, which is an intensive child protection and prevention model that enables children to remain safely at home, while ACS works with families to address immediate child safety concerns. The program is citywide and there are currently 131 families receiving FPP services. FPP helps families by accompanying families to community appointments (medical, public assistance, therapy, etc.); helping families navigate other systems such as housing and school; supporting the family as they transition to prevention services; and arranging for services such as homemaking, respite or heavy duty cleaning.
Providing families with more information at the door: After a successful pilot in 2023, in May 2024 ACS completed the citywide rollout of providing parents with plain language information in their preferred language regarding their rights when ACS comes to their home to respond to a report of alleged abuse or neglect. Over 1,600 ACS staff were trained and over 12,000 notifications were provided.
Training ACS and provider agency staff on how to support maternal mental health: ACS identified a need for staff to better understand Perinatal Mood and Anxiety Disorders (PMADs) and assist pregnant and birthing people experiencing or at risk of experiencing PMADs. Throughout 2024, ACS has focused on raising awareness on the signs and symptoms of PMADs and the appropriate referrals for those experiencing PMADs by disseminating information through our new landing page on our web site https://www.nyc.gov/site/acs/for-families/pmads.page; sharing best practices and resources at a convening, developing a resource guide for staff; and expanding ACS’s Psychiatry and Behavioral Health Unit participation in team meetings and other case conferences.
Re-training Mandated Reporters on when to call the child abuse hotline and when families can be better supported without an investigation: Child protective investigations are traumatic to children and families, so should not be used as a way to connect families to services when children are not at risk or in danger. ACS and our sister agencies are committed to reducing the unwarranted involvement of Black and Latino families in the child welfare system. Through training and conversations with mandated reporters throughout the city, ACS is working to achieve a better balance: fewer unnecessary reports to the SCR, continued reports when necessary, and more supports accessed by families across the board. In 2024, ACS conducted or co-led 180 presentations and trainings reaching over 12,700 mandated reporters who work with children, including schools, homeless shelters, hospital staff, after-school program, and ACS providers.
Increasing and Strengthening Supports for Families and Communities
Connecting Thousands of Families to Services and Supports through the ACS Support Line: Parenting is both rewarding and challenging, so it is critical that parents and caretakers in need of a helping hand know how to get it. In 2024, ACS was intentional about marketing our Support Line, through hundreds of over 100 training sessions, tabling in communities, participating in ACS and other city agency events, as well as in social media and the press. The Support Line can be reached at (212) 676-7667 or connect@acs.nyc.gov . The Support Line assists families by connecting them directly to ACS Prevention Services and addressing concrete needs (such as food, beds, etc.) all without the need for a child welfare investigation. In 2024, there was an over 500 percent increase in calls to the Support Line, with over 3,200 New York City parents and caretakers reaching out.
Launching New School-Based Early Support Prevention Model: ACS has a nationally-recognized continuum of prevention services that served over 32,000 children from 15,000 families in 2024. In September 2024, ACS launched its newest prevention service model, aimed at providing families with services and supports as upstream as possible, preventing involvement with child protection, while keeping children safe. Each of the 16 new programs is working with at least three schools to help families address stressors that may impact a child’s well-being, help families in need of concrete items, and strengthen social connections within the school communities, all to help families thrive.
Expanding Access to Child Care Assistance to Thousands More Families:
As of November 2024, over 50,000 children were enrolled in child care subsidized by an ACS-issued low-income voucher, up 73 percent from the same time last year. ACS continues to target outreach to 17 community districts where poverty and unemployment are highest and child care supply is inadequate. As part of this effort, we are partnering with three community-based organizations in Northern Manhattan and the Bronx that are conducting outreach and processing applications for childcare assistance to get eligible families linked to affordable care. As of November 2024, nearly 15,000 children from these community districts were enrolled in child care with the support of a low-income voucher, representing a nearly 500 percent increase in just 2 years.
Expanding Family Enrichment Centers (FEC) citywide: ACS is in the final stages of expanding FECs from 3 to 30 sites. FECs are warm, inviting, family-centered spaces that focus on social connection, parental resilience, and access to resources – factors known to promote child and family well-being. Twenty-nine of the 30 contracts have been awarded and FECs are in various stages from being open to working closely with their community to shape their individualized Centers. The final award will be announced in early 2025. Everything about the FECs – including the names, the physical layout, and the offerings they provide –are co-developed with families and community members.
Providing parents and caretakers with the information they need to prevent accidental injuries: Throughout 2024, ACS’s Office of Child Safety and Injury Prevention was out in communities throughout the city educating parents, caregivers, and child-serving professionals on how to put infants safely to sleep on their back, in cribs, without blankets or other clutter. Through a partnership with Health and Hospitals, we distributed over 10,000 safe sleep toolkits to new parents. The team also educated communities on the need to keep medicines, cannabis edibles and other dangerous items locked up and high up to prevent accidental ingestion and distributed more than 300 hundred lockboxes.
Enhancing Support for Youth in Foster Care and Justice-Involved Youth
Doubling the number of youth in foster care attending college and participating in College Choice: In 2024, the ACS College Choice program – where tuition, housing and a daily living stipend are given to youth in foster care attending college – doubled from the program’s inception just two years ago. In the Fall 2024 semester, there were over 400 youth in College Choice. Students are attending schools locally, within New York and throughout the county, at both public and private institutions. College Choice students are represented at every CUNY college, attend many SUNY schools such as Stony Brook and Binghamton, can be found on other college campuses within New York, like Syracuse and Ithaca College, or studying at Vanderbilt University in Tennessee or Holy Cross College in Massachusetts. College Choice even supported a student studying abroad in Japan. In 2024, there were 35 students graduate in Spring/Summer of 24 and anticipate another 17 to graduate at the end of the Fall 2024 semester.
Achieving positive educational outcomes for youth across the juvenile justice continuum: ACS, in partnership with New York City Public Schools’ District 79 Passages Academy, continues to see an increase in student achievements across our secure detention facilities, non-secure detention program, and Close to Home program. The graduation rate has increased 51 percent over the past three school years, with 53 youth graduating this past year. ACS’s investments in supplemental tutoring services helped youth achieve their academic goals. In addition, in 2024 ACS brought college to secure detention, entering into a formal agreement with CUNY to provide college courses to young people who have graduated or are close to graduation through CUNY’s College Now program.
Expanding Fair Futures to More Youth: Due to critical investments by the Adams Administration, ACS has been able to expand the Fair Futures coaching model up to age 26 and to the juvenile justice continuum. In 2024, over 4,000 youth benefited from Fair Futures coaching and/or tutoring. Of the 2,000 young people coached for 90+ days, 92 percent achieved at least three positive outcome goals, such as reconnecting to high school, grade promotion, graduation, enrollment in college or vocational training or successfully engaging in a job or internship.
Enhancing the Ability for Staff to Get Their Work Done
Improving our infrastructure to better support children, youth and families
For ACS and provider agency to get the work done, they must have the right tools and infrastructure. In 2024, ACS opened a new child protection borough office on Bartow Avenue in the Bronx, which was designed to both be more family-friendly and more supportive of staff. Similar work is underway for ACS’s new Headquarters, which will be occupied in 2025. In addition, 2024 work at the ACS Children’s Center included many enhancements to the space including a new cell phone café for youth, a visiting room, and a new Comfort Shop where children can select high quality items that bring them comfort, such as pajamas, journals, sneakers and stuffed animals. ACS has also strengthened its IT infrastructure, encrypting sensitive data to enhance security and implementing new monitoring tools to track the health of the IT network.
Hiring Frontline Line
ACS’s frontline staff are essential to our ability to keep children safe, families supported, and ensure youth in our care receive all that they need to thrive. ACS has enhanced recruitment and retention efforts and continue to work to supplement existing staffing levels in identified areas of need, which includes frontline child protection staff and staff in our detention centers. In 2024, ACS hired over 500 child protection specialists; we now have nearly 1,100 active CPS handling responses to reports of abuse and neglect, compared to 900 just two years ago. The average child protection caseload of under 8 cases per specialist remains well below national of 12. In 2024, we hired over 250 Youth Development Specialists for secure detention; we currently have 591 YDS, close to our all-time high of 596 in 2021.
Hoarding & Home Care—Physical and Mental Health Risks for Seniors
Nationwide the CDC reports that falls are the number one cause of injury for older adults, and 37% result in medical treatment or restricted activity. And most falls will occur at home. One of the number one risks in our homes? Excessive clutter or unsafe environment.
Clinicians at home and community-based health nonprofit VNS Health serve the diverse New York community, and often encounter clients who have excessive clutter in their home or suffer from hoarding disorders. Working with some of the most vulnerable, they see firsthand the physical and mental toll it can take on the patient and their family. For many, hoarding is accompanied with shame, embarrassment, or even guilt.
While 6% of older adults experience severe hoarding tendencies (compared to 2% for all age groups), there are also other diagnoses, such as dementia, anxiety or depressive disorders, where hoarding can be a side effect. As the population of adults over 60 grows, diagnoses for hoarding disorders may as well. Addressing this challenge requires a 360 approach to care, with physical and occupational therapists, nurses, social workers, and mental health experts coming together to identify the root causes behind hoarding behaviors, and come up with solutions to help people stay safe, live as independently as possible at home, and avoid rehospitalization because of a fall.
We’d like to offer you the opportunity to connect with VNS Health clinicians who can speak to the physical and mental health challenges tied to falls, and how hoarding and other behaviors can exacerbate risks.
Topics to Consider:
-Helpful tips and DIY hacks to make a home “fall-proof”
-How falls exacerbate mental health issues
-Signs a loved one has had a fall and needs professional care
-Root causes behind hoarding and excessive clutter among older adults
-How can caregivers open a conversation with a loved one who may be a hoarder?
NYC Aging Launches Citywide Survey to Assess the Needs of Older New Yorkers
Survey launched during Older Americans Month, when the country reaffirms its commitment to serving older residents.
As the model age-inclusive city, the Department for the Aging (NYC Aging), during Older American month, has launched a citywide Service Needs Assessment survey. The results will support NYC Aging and the members of the Cabinet for Older New Yorkers understand the current needs of older residents, see where gaps of service exist, and better advocate for their needs. Survey will help the city prepare for the continuing growth of older New Yorkers living in the five boroughs.
“With more older New Yorkers aging, every community will also see an increase in caregivers, like myself, looking after their loved ones,” said Deputy Mayor for Health and Human Services Anne Williams-Isom. “This survey will help us better understand the needs of caregivers so we can alleviate their stress and help them overcome the challenges they face. By focusing on their needs, we can better support New Yorkers as they age-in-place.”
“The community-care model we are implementing can only be successful if we engage directly with the people we serve, and those who do not use City or State services” said NYC Aging Commissioner Lorraine Cortés-Vázquez. “We created this survey to reach the vast number of diverse older adults who call New York City home. This will allow us to evaluate our programs and collaborate with our providers to meet their needs. I look forward to seeing the results so we can continue to build on the progress we have already made.”
With May being Older Americans Month – where the country recognizes the contributions of older adults – NYC Aging staff and our partners will be at events throughout the city encouraging residents 60 years of age or older, and their caregivers, to fill out the survey. It will also be distributed by NYC Aging service providers to encourage the residents they work with to participate. The survey is accessible on NYC Aging’s website in 10 different languages. Participants who share their contact information may be entered into a drawing and may win a $50 gift card in October.
Some of the topics covered by the survey include managing finances, transportation, meal preparation. and social isolation. To access the Service Needs Assessment survey New Yorkers can visit: on.nyc.gov/agingsurvey.
###
About The Department for the Aging:
The Department for the Aging’s (NYC Aging) mission is to eliminate ageism and create a community-care approach that allows residents to continue to access the programs and resources for their physical and mental well-being. Through a network of over 400 older adult centers and naturally occurring retirement communities, support and services are provided that allow the nearly 1.8 older New Yorkers to continue living independently in their communities.
MAYOR ADAMS ANNOUNCES CASH ASSISTANCE AND SNAP APPLICATION BACKLOGS NEARLY ELIMINATED, BOLSTERING ACCESS TO BENEFITS FOR LOW-INCOME NEW YORKERS
WATCH: Mayor Adams Talks About How NYC Has Nearly Eliminated Full Backlogs of 46,000 Cash Assistance and 4,000 SNAP Applications
Adams Administration’s Staffing, Technology, Process Improvements Have Bolstered Benefits Access for Low-Income New Yorkers
Since Launching Fully-Remote Process Under Adams Administration, Over 90 Percent of New Yorkers Have Applied for Cash Assistance and SNAP Online
NEW YORK – New York City Mayor Eric Adams and New York City Department of Social Services (DSS) Commissioner Molly Wasow Park today announced that the Adams administration has nearly cleared the backlogs of cash assistance and Supplemental Nutrition Assistance Program (SNAP) applications — that peaked at more than 50,0000 — ensuring low-income New Yorkers can quickly and easily access the federal benefits they qualify for. While over 46,000 cash assistance applications and over 4,000 SNAP applications were pending on-time processing last summer, the Adams administration’s investments in staffing, technology, and process improvements has eliminated the backlog of cases by 97 and 90 percent, respectively. In total, the city processed more than 600,000 cash assistance and SNAP applications during this period. Faced with a record number of applications as federal pandemic-related support expired, the city deployed a robust plan to process applications quickly and make it easier for low-income New Yorkers to access critical benefits. DSS hired nearly 1,000 new staff since January 2023 to process cash assistance and SNAP applications, doubled down on training for staff, and strengthened remote application processes to make it easier to apply for benefits.
“As a child, I watched my mother struggle to put food on the table, as she worked three jobs to care for me and my five siblings. The city wasn’t there for us when we needed help — we won’t let that practice continue under our administration,” said Mayor Adams. “Our administration is putting working-class New Yorkers first, and ensuring they have full access to the benefits they are entitled to receive in a timely manner. Thanks to our investments, our administration has nearly eliminated the cash assistance and SNAP backlogs — processing more than 50,000 applications and building on our work to ensure vulnerable New Yorkers can get the support they need. A more just and equitable New York City is a city that works better for everyone, and that is something our administration is committed to and will continue to deliver on every day.”
CAB DSS
The Adams administration has nearly cleared the cash assistance backlog since last summer. Credit: New York City Department of Social Services
“Today’s announcement shows this administration’s work to streamline processes and find technical solutions to deliver for New Yorkers,” said Deputy Mayor for Health and Human Services Anne Williams-Isom. “Whether it’s support for children and families facing mental health issues, those needing food assistance, or those accessing cash assistance, we are committed to uplifting individuals and families in need so they can thrive, not just survive.”
“The Adams administration has made critical progress strengthening access to benefits for low-income New Yorkers and we are reaching a record number of New Yorkers today,” said DSS Commissioner Park. “We acted with urgency to address historic increases in the volume of applications, deploying all agency resources and doubling down on efforts to process a significantly higher number of applications over a very short period of time. As a result of technological enhancements, investments in staffing, and strategic process changes, DSS is on track to eliminate backlogs impacting processing delays for cash assistance and SNAP benefits, and the agency is better positioned to handle unprecedented caseloads in the future. We are incredibly grateful to this administration and our tremendous staff for getting us to this point as we continue to build on key efficiencies and implement innovative solutions while ensuring that we are reaching every New Yorker who is eligible for these critical benefits.”
The Adams administration has made important progress strengthening access to critical benefits for low-income New Yorkers, helping more than 510,000 New Yorkers receive cash assistance today — the highest number of recipients since 2003. The city also continues to strengthen access to SNAP for New Yorkers experiencing food insecurity, with more than 1.7 million New Yorkers receiving SNAP benefits — reflecting the highest percentage of low-income New Yorkers receiving SNAP since the city started reporting the figures annually in 2006.
The Adams administration has also made it easier for New Yorkers to apply for benefits by implementing remote capabilities for every step of the application process. As a result of these investments, more than 90 percent of New Yorkers applying for benefits are opting to do so online. Additionally, DSS continues to retain a comprehensive network of brick-and-mortar locations with Benefits Access Centers and SNAP Centers located in every borough for New Yorkers who prefer to apply in-person, while also working closely with community-based organizations across the five boroughs to conduct outreach and support applicants.
The Adams administration is delivering public benefits to more New Yorkers than any other administration over the past few decades. As DSS continues to build on key efficiencies and implement innovative solutions, the agency is better positioned to continue to address such unprecedented increases in applications over the long term. As of February 29, 2024, DSS has 411 cases of SNAP applications pending on-time processing and 1,154 cases of cash assistance pending on-time processing. As of January 2024, a total of 1.73 million New Yorkers were receiving SNAP benefits and more than 510,000 New Yorkers were receiving cash assistance benefits.
CONSUMER ALERT: NYS DIVISION OF CONSUMER PROTECTION PROVIDES TIPS TO HELP CONSUMERS NAVIGATE RETURN AND REFUND POLICIES
Discover What to Look for When Reviewing Return and Refund Policies
Laws Protect Consumers So They Can Make Informed Decisions During Holiday Shopping
Secretary Rodriguez: “The last thing you want is to purchase an item and realize you can’t return it due to a missing receipt or it is outside of the return window, so I urge New Yorkers to follow these tips to ensure you can get your money back if you change your mind about a purchase.”
Follow the New York Department of State on Facebook, Twitter and Insta
For this week’s “Tuesday’s Tips”, the New York Department of State’s Division of Consumer Protection (DCP) reminds shoppers of New York State laws that protect consumers so they can make informed decisions about holiday returns. To avoid surprises, DCP recommends that consumers carefully review and understand what to look for when reviewing return and refund policies.
“Consumer spending during this holiday season hit an all-time high, which could mean the number of returns made will be as well,” said New York Secretary of State Robert J. Rodriguez. “The last thing you want is to purchase an item and realize you can’t return it due to a missing receipt or it is outside of the return window, so I urge New Yorkers to follow these tips to ensure you can get your money back if you change your mind about a purchase.”
Around the holidays, gift givers and receivers often change their minds. This year’s holiday weekend from Thanksgiving Day through Cyber Monday, set record levels for consumer spending which indicates shopping is showing no signs of slowing down according to the National Retail Federation. The increase can lead to more refunds and returns this holiday season. To help navigate the busy shopping season, DCP offers the following tips:
- Pay Attention to Return Policies: New York State law requires that retailers post their return and refund policies clearly to inform consumers before the transaction is completed. Retailers must provide a written copy of the store’s return policy when requested.
New York State Law does not require retailers to accept returns, however, they must post a conspicuous notice visible to consumers before the point of sale advising that no returns will be accepted.
If the retailer does not post a return policy, the law requires the retailer to accept returns of unused, undamaged merchandise within 30 days of the purchase date. The returned item must include a proof of purchase and the refund must be in the form of cash or credit based on the customer’s preference.
- Understand the Refund Terms: For retailers that allow returns, New York State law does not require refunds to be given in any specific manner. However, it does require the form of the refund – cash, credit, or exchange – be clearly disclosed in advance of purchase. Retailers must also disclose any fees associated with the return. If no fee is listed, customers should inquire whether the store imposes a re-stocking fee for returned merchandise and determine prior to purchase if the item can be returned for a refund or only store credit.
- Retain Any Proofs of Purchase: Consumers should hold on to receipts in the event a product needs to be returned. If purchasing gifts, ask if a gift receipt is available.
Consumers having difficulty obtaining a refund are encouraged to file a complaint with the New York State Division of Consumer Protection.
Follow the New York Department of State on Facebook, Twitter and Insta
The New York State Division of Consumer Protection provides resources and education materials to consumers on product safety, as well as voluntary mediation services between consumers and businesses. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumer-
For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/
CONSUMER ALERT: THE NEW YORK DEPARTMENT OF STATE’S DIVISION OF CONSUMER PROTECTION PROVIDES TIPS TO AVOID CHECK WASHING SCAMS
Avoid mailing checks from public collection boxes to protect yourself from fraud
Secretary Rodriguez said: “To protect against having your bank account emptied, I encourage New Yorkers to follow our tips to protect themselves and their businesses.”
Follow the New York Department of State on Facebook, Twitter and Insta
The Department of State’s Division of Consumer Protection is providing consumers with guidance to avoid mail theft and check washing schemes. During check washing schemes, thieves steal checks, often in bulk from U.S. Postal Service mail collection boxes and use common chemicals like nail polish remover to erase (or “wash”) the payee and dollar amount while preserving the check’s original signature. These scammers can then profit from making checks out to themselves or selling the stolen, signed blank checks.
According to the US Financial Crimes Enforcement Network (FinCEN), the number of check fraud crimes nationwide surged in 2020 and has worsened each year since. In 2022, FinCEN received over 680,000 suspicious activity reports related to check fraud, almost twice number recorded in 2021.
“People may not be writing as many paper checks but check fraud is still a serious issue because check washing scams can cost consumers hundreds to even thousands of dollars and the fraudulent charges can take weeks to reverse,” said Secretary of State Robert J. Rodriguez. “To protect against having your bank account emptied, I encourage New Yorkers to follow our tips to protect themselves and their businesses.”
Daniel B. Brubaker, Inspector in Charge of the New York Division said, “When thieves violate the sanctity of the mail, the U.S. Postal Inspection Service will spare no resource to bring these nefarious individuals to justice for their crimes. Our persistence in investigating these crimes, along with recent enhancements to USPS equipment and other prevention efforts, are the many ways we ensure the public’s trust in the U.S. Mail.”
Follow these tips to avoid mail theft and check washing scams:
TIPS TO AVOID CHECK WASHING:
- Go directly to the post office to drop off your mail: When using a Blue Collection Box, try to do so before the last pickup of the day to minimize the amount of time the check spends in the box.
- Check your mailbox frequently: Don’t leave mail in your mailbox overnight.
- Hold mail at your local post office: If you are going to be away from home and can’t check your mail, request to have your mail held at your local post office or have a trusted neighbor pick it up until your return. You can submit a USPS Hold Mail request online at www.usps.com/manage/hold-mail.
htm or in-person at your local post office. - Use black gel pens: Gel pens may have ink that thieves have greater difficulty erasing compared to standard ballpoint pens.
- Sign up for informed delivery from USPS: Informed delivery services allow consumers to receive a daily email with pictures of all letter-sized mail for that address each day. You can sign up online at www.usps.com/manage/informed-
delivery.htm - Review your checking account regularly: Look out for unusual or unexpected withdrawals from your bank account and take time to confirm when your checks clear.
What to do if you experience check washing:
- Contact your bank immediately.
- File a police report.
- Report the check washing to the United States Postal Inspection Service at 1-877-876-2455 or www.uspis.gov/report
CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Provides Tips to Save on Entertainment and Recreation Costs
Part Three of Five-Part Consumer Alert Series to Help New Yorkers Save Money
Follow the New York Department of State on Facebook, Twitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics
Secretary Robert J. Rodriguez: “There are countless free and affordable entertainment opportunities in our State, and these creative tips show New Yorkers that you can cut down on spending while still having a good time.”
For this week’s “Tuesday’s Tips,” the Department of State’s Division of Consumer Protection (DCP) is providing tips to help consumers reduce spending on entertainment and recreation costs. These tips are part three of DCP’s five-part consumer alert series to help New Yorkers save money amidst inflation and rising costs. Follow the New York Department of State on Facebook, Twitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.
“When saving money and sticking to a budget, entertainment expenses are typically one of the first places consumers look to cut back,” said Secretary of State Robert J. Rodriguez, who oversees the Division of Consumer Protection. “There are countless free and affordable entertainment opportunities in our State, and these creative tips show New Yorkers that you can cut down on spending while still having a good time.”
New York State has many opportunities for free entertainment. Explore things to do throughout New York State with the I LOVE NY website, or download the mobile app for great activity ideas, including special sections dedicated to Winter in New York and celebrating Black History Month!
Check with your community for free events. Many counties, cities, towns and villages offer community movie nights, music in the park, recreation programs or other seasonal free community events.
Check out the New York State Fair – the first fair in the nation. Every year, New Yorkers come together to experience an affordable, 13-day celebration of delicious food, eye-opening agriculture exhibits, strolling performers, concerts and great family fun. The event also showcases thousands of animals and dozens of big-name entertainers. The 2023 Great New York State Fair kicks off Wednesday, August 23 and continues through Labor Day, Monday, September 4. Admission tickets are $6 for adults, and children (13 years old and younger) and senior citizens (adults 65 years and older) are admitted for free every day. Plus, there are also free days for special groups on select days.
Find a local county fair or food festival near you. All over New York State, you will find numerous local events that offer a variety of fun filled activities – packed with amazing food, rides, parades, live entertainment, crafts and more! Enjoy a day filled with amazing attractions that won’t break the bank.
Connect to nature. Visit any of the 250 New York State Parks, historic sites, recreational trails and boat launches, or the millions of acres of public lands managed by the Department of Environmental Conservation that offer a variety of entertainment opportunities for all ages and interests. There are plenty of outdoor activities all year round (hiking, camping, boating, birding, etc.), nature centers, programs for the kids and more!
Visit museums. New York State has some of the world’s most iconic museums. Some museums offer free admission every day or on specific days. Some also offer events, festivals and concert series that are free in the summer or throughout the year.
Check out the library. Libraries offer a wealth of items that New Yorkers can borrow, ranging from movies, music and videogames to free or discounted entrance passes to local museums and attractions. Additionally, there are often free events held at libraries, including workshops, computer classes and more. New Yorkers can also get free access to LinkedIn Learning (formerly Lynda.com) with a NY Public Library account, which offers thousands of online educational courses and tutorials taught by industry experts in software, creative and business skills.
Enjoy your next vacation camping. New York’s 118 state campgrounds offer the perfect spot for a family getaway or reconnecting with friends. Located among some of the most breathtaking settings in North America, NYS campgrounds are an affordable vacation option for campers seeking variety, value and a place to create special memories that last a lifetime.
DEC Commissioner Basil Seggos said, “DEC invites New Yorkers of all ages, abilities, and backgrounds to experience nature and the outdoors on our shared state lands. With five million acres across the state that include campgrounds and education centers, wildlife management areas, state forests, boat launches and fishing sites, DEC lands, waters, and facilities offer everyone the opportunity to relax, rejuvenate, and recreate.”
New York State Parks, Recreation and Historic Preservation Commissioner Erik Kulleseid said, “With more than 250 state parks, historic sites, trails, and boat launches, New York State has something for everyone, and most are near where you live. We encourage you to visit all there is to offer during any season – whether taking a simple stroll, hiking, camping, boating, visiting a playground or learning how New York has shaped our historic landscape. You’ll find these excursions to be rewarding and cost-effective for you and your family and we know you’ll keep coming back.”
Empire State Development Vice President and Executive Director of Tourism Ross D. Levi said, “There are so many great ways to explore and experience fun and family-friendly attractions across the Empire State. For New Yorkers, many opportunities exist in their own backyards, and iloveny.com can help to choose a great day trip, or plan a getaway down the road. No matter your budget, there’s so much to love in New York State.”
Interim Fair Director Sean Hennessey said, “Food, farming, family and fun – the Great New York State has got it all,” said. “We can’t wait to celebrate the best in New York State food, beverage, agriculture and entertainment this summer, and we hope New Yorkers will reserve some time between August 23 and September 4 to join us!”
DEPARTMENT OF STATE’S CONSUMER PROTECTION DIVISION ISSUES CHARITY SCAM PREVENTION TIPS AS HOLIDAY SEASON BEGINS
Giving Tuesday Is the Beginning of the Season of Charitable Giving
Follow These Tips to Donate Wisely and Avoid Charity Scams
Follow the New York Department of State on Facebook, Twitter and Insta
Secretary of State Robert J. Rodriguez: “It is important to remember that scammers like to prey on the good intentions of people, and we encourage New Yorkers to do their research before making donations so that these good deeds reach the right place.”
For this week’s “Tuesday’s Tips,” the New York State Department of State’s Division of Consumer Protection (DCP) aims to raise awareness about charity scams. The charitable spirit of New Yorkers is at an all-time high during the holiday season, so this week’s tips are meant to serve as a guide when choosing causes to donate to so donations get to the right place and not in the hands of scammers. Follow the New York Department of State on Facebook, Twitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.
“The season of giving is in full swing, and people are purchasing gifts for loved ones and making generous donations to causes they care about,” said Secretary of State Robert J. Rodriguez. “But before making these donations, it is important to remember that scammers like to prey on the good intentions of people, and we encourage New Yorkers to do their research before making donations so that these good deeds reach the right place.”
Charity scams can happen at any time, but they are more prevalent during the holiday season when donors are moved by both generosity and the end-of-year deadline for securing tax deductions. Charity scams also increase after a natural disaster or emergencies, collecting millions of dollars from unsuspecting donors. On many occasions, these fraudsters pretend to be affiliated with well-known organizations or even the government to scam people out of their hard-earned money. According to the Federal Trade Commission, in 2022, there were 10,217 reports of charitable solicitation fraud resulting in $21 million in losses. This is a drastic increase from 2019’s 3,872 reports of charitable solicitation fraud resulting in $6 million in losses.
Tips to Help Avoid Charity Scams:
- Check the legitimacy of the charitable organization. Charities located or engaging in substantial fundraising in New York State should be listed on the New York State Attorney General’s database of registered charities. Research before you donate by visiting com to verify registration, and by checking websites such as www.bbb.org, www.give.org and www.guidestar.org in addition to visiting the charity’s website. If donating toward relief efforts, visit a site such as disasterphilanthropy.org to ensure your donation is really going where it needs to.
- Learn to detect a phony charity. Some scammers will create fake “charities” and try to trick you with names similar to well-known charities. Pay attention to the charity’s full name, web address, contact information, donation policies, etc. Scammers may copy or mimic the name of a familiar, trusted organization to swindle you.
- Designate your donation. Ask how your donation will be allocated between direct services and administrative fees. Unless you designate a specific purpose for your donation, it will go into the organization’s general fund, so make sure to note if you are sending money for a specific purpose (ie: “Playground Fund”).
- Be cautious of third-party fundraisers. If a solicitation comes from a third-party company, the charitable organization will receive only a percentage of your donation. If you want to ensure the charity receives the whole amount, donate directly to the charity instead. For more information, access the New York State Attorney General’s website and review the annual “Pennies for Charity” report.
- Pay attention to vague claims. Be on alert for claims without any clear plan such as “all proceeds go to cancer treatments” or “donations go to veterans who can no longer work.” Instead do some research on the charity before you decide.
- Resist high-pressure tactics. Charity fraud scams can come in many forms, whether by email, social media, crowdfunding platforms, cold calls, etc. Watch out for direct e-mails from “victims” and solicitors who employ heart-wrenching stories, insisting that you donate immediately. It is highly recommended to never provide personal information to unsolicited telemarketers, but instead ask the caller to provide you with the full name of the charitable organization, , website address and contact information to research and verify.
- Find out who’s behind the crowdfunding request. Online crowdfunding websites like GoFundMe, Indiegogo and Crowdrise make it easy for people to create crowdfunding campaigns. To protect yourself, remember to only give to people you know directly. It’s also important to understand the crowdfunding site’s rules, policies, and vetting procedures. It can be helpful to know these ahead of time to determine how they are protecting consumers from potential fraud.
- Never disclose personal information. Do not provide any personal information such as your credit card number, Social Security number, or any other personal identifying information in response to an unsolicited charitable request.
- Never give cash. Give your contribution by check or credit card to ensure that you have a record of the donation. Make checks out to the charity, not to an individual. If you choose to make a donation via a charity’s website, check that the website is secure and that your computer is equipped with the latest anti-virus protection. Check for the padlock to the left of the URL search bar to ensure the site is secure. Do not send funds to anyone asking for bitcoin or cryptocurrency as these payments typically have no protections against fraud.
- Don’t mail checks from public collection boxes: According to the US Financial Crimes Enforcement Network (FinCEN), the number of check fraud crimes nationwide has increased since 2020. To avoid this fraud, go directly to the post office to deposit mail. If you need to use a public U.S. Postal Service collection box, try to do so before the last pickup of the day to minimize the amount of time the check spends in the box.
- Double Check before you deduct. Donations made to individuals or organizations that are not tax-exempt are not deductible. To find out if a donation will be tax deductible, research an organization’s tax-exempt status at the Internal Revenue Service Tax Exempt Organization Search . Request a receipt and track the status of your donation.
The New York State Division of Consumer Protection provides resources and education materials to consumers on product safety, as well as voluntary mediation services between consumers and businesses. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumer-
Follow the New York Department of State on Facebook, Twitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.
For more consumer protection tips, follow the Division of Consumer Protection on Facebook and Twitter.
CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Offers Tips to Protect Older Adults From Consumer Fraud Scams
August 21st is National Senior Citizens Day
Follow the New York Department of State on Facebook, Twitter and Instagram for “Tuesday’s Tips” – Practical Tips to Educate and Empower New York Consumers on a Variety of Topics
Secretary Rodriguez: “To help better protect our loved ones, these tips help to warn older adults and their family members about the different kinds of fraudulent schemes scammers use so they can avoid falling prey to their tricks.”
For this week’s Tuesday’s Tips, the New York Department of State’s Division of Consumer Protection is offering guidance to help prevent and protect seniors from consumer fraud and scammers in advance of National Senior Citizens Day on August 21st. Financial fraud and exploitation is one of the most prevalent types of elder abuse, and a recent AARP report estimates that the annual loss of victims of financial abuse in the United State is assessed to be at least $28.3 billion dollars. Follow the New York Department of State on Facebook, Twitter and Instagram and check in every Tuesday for more practical tips that educate and empower New York consumers on a variety of topics. Sign up to receive consumer alerts directly to your email or phone here.
“Older adults are too often targeted by predators that use a number of ever-evolving consumer fraud scams to steal personal information, money or more,” said Secretary of State Robert J. Rodriguez. “To help better protect our loved ones, these tips help to warn older adults and their family members about the different kinds of fraudulent schemes scammers use so they can avoid falling prey to their tricks.”
New York State Office for the Aging Director Greg Olsen said, “Scammers often use seemingly realistic or convincing scenarios to trick people into sending money or providing personal information. Older adults can protect themselves from being defrauded by exercising caution and by not clicking links or providing personal information to a person or organization that has contacted you unexpectedly. If you need assistance, or have a concern about scams, you can find local help by contacting NY Connects at 1-800-342-9871.”
New York State Office of Children and Family Services (OCFS) Acting Commissioner Suzanne Miles-Gustave said, “Financial fraud and exploitation of our elder New Yorkers literally robs them of the resources they need to maintain their independence, provide for their health care and other vital assistance that ensures their well-being. These crimes are often some of the most difficult to prevent and can inflict untold trauma upon the victims and their families. We thank our partners with the Division of Consumer Protection for offering these important tools and tips. You can also contact our bureau of adult services at 1-844-697-3505 for referrals on money management services and other financial programs to help protect these vulnerable New Yorkers.”
Some of the most common older adult scams include:
- Medical Device Scam: Unsolicited prerecorded messages, known as “robocalls,” offering free medical alert devices by providing an address and credit card information.
- Grandparent Scam: Scammers call or email asking for money while impersonating a beloved grandchild who is in some kind of trouble.
- Ghosting Scam: Identity thieves obtain personal information about deceased persons from obituaries, funeral homes, hospitals, stolen death certificates and online web sites and use this information to establish credit and open accounts, take out loans, receive benefits, or even collect tax refunds filed under the stolen identity.
- Jury Duty Scam: Scammers pretending to be law enforcement officers or court officials contact individuals to inform them that they have failed to report to jury duty and must pay a fine by credit card to avoid an arrest.
- Funeral Notification Scam: Scammers send emails deceptively informing recipients of an upcoming farewell ceremony in remembrance of a friend or loved one, and upon clicking a link provided in the email, victims are sent to a third-party website where malicious software is downloaded so scammers can gain access to the user’s information.
- Sweepstakes Scam: Scammers entice consumers with various prize offers and then ask you to share personal information or pay a fee to enter the sweepstakes.
- Internal Revenue Service (IRS) Imposter Scam: Phone scammers impersonate IRS agents and demand immediate payment of overdue taxes from victims via debit card or wire transfer to avoid being arrested.
- Free Grant Scam: Scammers promise fraudulent grants in print or over the phone and ask for bank account and routing numbers.
For more information about how you can recognize the most common older adult scams or for more scam prevention tips, download The Division of Consumer Protection’s informative Senior Anti-Fraud Education (S.A.F.E.) brochure. If you have parents or older family members, take the time to explain these scams to them.
Here are a few tips to follow if you or someone you know receives a call or email you believe to be a scam:
- RESIST the urge to act immediately – no matter how dramatic the story is.
- VERIFY the caller’s identity – ask questions that a stranger couldn’t answer. Check with a family member to see if the information is true.
- DO NOT send cash, gift cards or money transfers. Once the scammer gets the money – it’s gone!
- DO NOT give your personal banking account information by email or over the phone OR log into bank accounts as directed by the caller (scammers can steal your information using screen mirroring).
About the New York State Division of Consumer Protection
The New York State Division of Consumer Protection provides resources and education materials to consumers on product safety, as well as voluntary mediation services between consumers and businesses. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/consumer-
For more consumer protection tips, follow the Division on social media at Twitter: @NYSConsumer and Facebook: www.facebook.com/
Bronx Volunteers Launch Global Campaign Offering Message of Hope
BRONX, N.Y. – At a time when the desire for better government is on the minds of people the world over, Jehovah’s Witnesses will launch an international campaign to bring attention to a universal solution. The Witnesses will feature a special edition of “The Watchtower” magazine, available in over 780 languages in print and online, with the theme “What Is God’s Kingdom?”
Local volunteers from the Bronx will distribute this special-edition magazine during the month of September.
“The topic of a better government is so timely today because many people in our area are losing their hope and trust,” said Monet Benson, a resident of the Bronx. “The world around us is rapidly declining. The increase in crime, sickness, and unhappiness has left many feeling hopeless. How timely it is for me to share with my neighbors that a better government exists and is the solution to all their problems. I’m excited to share in this campaign because I get to show people the specific ways God’s Kingdom benefits them.”
Throughout the centuries, millions of Jesus’ followers have prayed the words “thy Kingdom come” but wonder what that Kingdom is, what it will accomplish, and when it will come. To answer those age-old questions, the Witnesses’ special-edition magazine will reference key Bible passages. The clear and simple explanations have been designed to appeal to both new and experienced Bible readers.
“The majority of people today want better rulership, but they just don’t know how or where to find it,” said Mark Godoy, spokesman for Jehovah’s Witnesses. “This global campaign will help sincere people find the rulership they truly desire. Our campaign will bring a positive message of hope to our communities.”
During the height of the COVID-19 pandemic, Jehovah’s Witnesses distributed millions of this special-edition magazine through letters, even sending copies to thousands of government officials worldwide. Now that they have returned to their door-to-door public ministry post-pandemic, this will be the first in-person campaign where they will have the opportunity to discuss the important and very timely subject with their neighbors.
A free digital copy of this special issue of “The Watchtower,” as well as information about the activities of Jehovah’s Witnesses, is available at jw.org. The Witnesses’ site offers practical Bible-based content for people of all ages and beliefs in over 1,070 languages.
9/23
NYSOFA’s Rollout of AI Companion Robot ElliQ Shows 95% Reduction in Loneliness
NYSOFA-ElliQ partnership renews for a second year following validation of ElliQ’s effectiveness in improving the lives of aging New Yorkers | |
The New York State Office for the Aging (NYSOFA) and Intuition Robotics today announced a continuation of their unique partnership and new data showing the efficacy in providing AI companionship to older adults in New York State, including a 95% reduction in loneliness and high levels of engagement. In one example, Lucinda, an older adult in Harlem, participates in four activities with ElliQ per day on average, including stress reduction exercises twice daily and a cognitive game every day. She also works out with ElliQ once a week. To learn more about these and other outcomes, see the attached report. Over the past year, Intuition Robotics has added unique features to keep seniors active, connected and engaged, such as: ElliQ taking users to museum exhibits and road trips, painting with ElliQ using generative AI, mindfulness exercises led by a certified mindfulness instructor, recording life memories in a digital memoir and sharing them with family and friends, and the ability for the NYSOFA staff to send informational video messages about available resources. About Intuition Robotics About the Association on Aging in New York |
NYSOFA Produces Video Series Showcasing Work of Aging Services Providers to Engage Underserved Populations
Video Series Highlights Community Engagement Efforts Supporting Access to Nutrition, Chronic-Disease Self-Management, and Socialization Programs | |
The New York State Office for the Aging (NYSOFA) this week released a three-part video series called Community Engagement in Area Agencies on Aging. The series highlights three aging services organizations in New York that are meeting the needs of traditionally underserved populations in their communities. |
Older Adults Among Those at Highest Risk for Heat-Related Illness Extreme Heat Kills More Than 600 People in the U.S. Every Year, Though Serious Health and Safety Effects Are Preventable
The New York State Office for the Aging (NYSOFA) and the New York State Department of Health (NYSDOH) are urging older adults, their family members and caretakers to be prepared for high temperatures and excessive heat this summer. NYSOFA and NYSDOH also offer tips and resources for older adults and loved ones to stay safe.
According to the U.S. Centers for Disease Control and Prevention (CDC), older adults and those with chronic diseases are at the highest risk for heat-related illness. While serious health and safety effects are preventable in many cases, more than 600 people in the United States are killed by extreme heat every year.
“As summertime weather starts, it is vital that older adults know the dangers and how to be prepared for extreme heat and humidity,” said NYSOFA Director Greg Olsen. “Now is also an important time for family, neighbors, and friends to check in with older adults as a precaution, especially in advance of a forecasted heat wave. This is particularly important for older adults who are most at risk, such as individuals who are low-income, live alone, have chronic conditions or who take certain medications.”
New York State Department of Health Commissioner Dr. James McDonald said, “High temperatures coupled with high humidity, particularly over an extended length of time, can be a dangerous combination, especially for older adults, the very young, those who work outside, and individuals with preexisting health conditions such as diabetes, obesity or heart disease. I urge all New Yorkers to be aware of the signs and symptoms of heat-related illnesses, take appropriate precautions such as staying hydrated, and know what to do if you or someone you encounter is experiencing health issues due to extreme heat.”
Association on Aging in New York Executive Director Becky Preve said, “Older adults and their families may be unaware of the significant dangers of extreme heat, especially in individuals with chronic health conditions. It is paramount for the health and safety of the community to understand heat-related illness, and to be knowledgeable of programs and services to alleviate and diminish the impact of extreme heat.”
According to the CDC, factors that might increase your risk of developing a heat-related illness include:
- High levels of humidity
- Obesity
- Fever
- Dehydration
- Prescription drug use
- Heart disease
- Mental illness
- Poor circulation
- Sunburn
- Alcohol use
What should I do before a heat wave?
- Know the symptoms of heat-related illnesses.
- Make sure that you can open your windows and/or that your air conditioner is working properly.
- Find out where to cool down – ask local officials about cooling centers in your area. If there are none, identify air-conditioned buildings where you can go (such as libraries, malls, supermarkets, or friends’ homes). The New York State Department of Health has information about cooling centers here.
- Choose someone that you can call for help or who can check on you.
- Talk to your doctor or pharmacist to learn more about medications that might make you sensitive to the sun or heat.
What can I do during a heat wave?
- Use air conditioning to cool down or go to an air-conditioned building.
- If you don’t have air conditioning in your home, open windows and shades on the shady side and close them on the sunny side to try to cool it down.
- Drink plenty of fluids but avoid alcohol, caffeine and sugary drinks.
- Beat the heat with cool showers and baths.
- Take regular breaks from physical activity.
- Avoid strenuous activity during the hottest part of the day (between 11 a.m. and 4 p.m.).
- Wear loose, lightweight, light-colored clothing to help keep cool.
- Stay out of the sun as much as possible.
- Wear sunscreen and a ventilated hat (e.g., straw or mesh) when in the sun, even if it is cloudy.
- Never leave children, pets or those with special needs in a parked car, even briefly. Temperatures in the car can become dangerous within a few minutes.
- Check on your neighbors, family and friends, especially those who are older or have special needs.
Places to Get Cool
New York State pools and beaches across the New York State Park system are available for individuals to cool off during hot days this summer. View the full list of statewide swimming lakes, ocean beaches and pools. Call ahead to confirm hours.
Additionally, the New York State Department of Health collects information about seasonal cooling centers from local health departments and emergency management offices. For more information and to find a Cooling Center near you, go here.
Aging Well in the Bronx Survey
The New York Academy of Medicine is conducting an online and paper survey of adults age 65+ who live in The Bronx. We want to hear from each of you about how well the borough is meeting your needs and suggest ways that The Bronx can better support older adults and people of all ages. Responses will be anonymous, and the collected data from this survey will be shared directly with the Bronx Borough President’s Office, along with concrete recommendations on how to make The Bronx the best borough for people to age-in-place. You can complete this survey in English, Spanish, Bengali, Chinese, Italian or Russian online or reach out to our office at 718-547-8854 or senatorjbailey@nysenate.gov about completing it on paper. Thank you for your time and your input.
NYS DIVISION OF CONSUMER PROTECTION AND THE NYS DEPARTMENT OF PUBLIC SERVICE ALERTS CONSUMERS OF SCAMMERS PRETENDING TO BE FROM UTILITY COMPANIES
Scammers Claim Utilities Will be Shut Off Unless Consumer Makes Immediate Payment
Consumers Should be Alert and Follow Basic Tips to Keep Information Protected
The New York State Division of Consumer Protection (DCP) and the NYS Department of Public Service is alerting consumers of phone calls in which scammers, pretending to be from electric companies are looking for overdue payments and threatening to suspend electricity services unless they receive a payment immediately. Payment has been requested by means of untraceable services such as gift cards, and money transfer apps, including PayPal and Zelle.
“Scammers use persuasive tactics to try to get their hands on unsuspecting consumers’ money, before they have time to confirm what scammers are telling them,” said New York State Secretary of State Rossana Rosado. “Like many others, this latest utility scam is prying on vulnerable New Yorkers who believe in the empty threats to shut off their utilities. New York consumers should be aware of some basic tips to keep their hard-earned money safe from scammers.”
Department of Public Service CEO Rory Christian said, “It is simply and plainly wrong that scammers try to take advantage of consumers, especially during these uncertain times. New York has taken strong action to protect consumers, including a moratorium on shutoffs for customers financially impacted by the COVID-19 pandemic. New Yorkers should call or contact their utility directly if there is any question about the status of the consumer’s utility service.”
The calls reported to DCP are coming from scammers purporting to be from New York electric and gas utilities. The scammers claim that the consumers’ utilities will be shut off in minutes due to an outstanding account balance unless the consumer makes immediate payment. The scammer then asks for consumer information, including utility account numbers, social security numbers, and dates of birth, and demands payment for alleged past-due bills. Scammers will demand payment, in form of financial technologies, which includes cash apps and bitcoin, to bilk thousands of dollars from unsuspecting costumers.
Utilities give repeated notices prior to terminations including reaching out to consumers with past due balances by phone to offer payment options. However, utilities do not specify that the payment must be a prepaid card or other non-traceable money transfer. If someone demands payment via non-traceable method, consumers just need to pull the plug on these scams by hanging up the phone and reporting the calls.
To avoid falling victim to these scams, consumers should follow the tips below:
- Hang up and call the utility company yourself. Call the company using the number on your bill or the utility company’s website even if the person who contacted you left a call-back number. Often, those call-back numbers are fake. If the message came by text, don’t respond. If your bill says you owe anything, pay it as you normally would, not as the caller says.
- Consumers should never give out personal information such as account numbers, Social Security numbers, date of birth, mother’s maiden names, passwords or other identifying information in response to unexpected calls or if they are at all suspicious. Consumers should not respond to any questions, especially those that can be answered with “Yes” or “No.” Consumers should exercise caution if they are being pressured for information immediately.
- Utility companies do not ask for payments via gift cards or cash transfer apps. Gift cards allow scammers to get money without a trace. Real utility companies issue several disconnection warnings before shutting off utilities and they never demand money over the phone or specify a method of payment. The utility may call customers to discuss payment plans, but will NOT call the customers to threaten. The utility primarily communicates via letters, bills, emails and authorized texts.
- Use call blocking tools from your phone provider and check into apps that block calls. The FCC allows phone companies to block robocalls by default based on reasonable analytics (see fcc.gov/robocalls).
- Do not rely on the number that comes up on your phone. Callers can “spoof” the number to look like a government agency or local utility company. If someone has contacted an individual and they are suspicious, they should hang up and go directly to the official website for the agency or utility company or call the number on their utility bill to confirm whether there is a problem with their account.
- File a complaint with the Division of Consumer Protection.
The New York State Division of Consumer Protection investigates Do Not Call violations and provides voluntary mediation between a consumer and a business when a consumer has been unsuccessful at reaching a resolution on their own. The Consumer Assistance Helpline 1-800-697-1220 is available Monday to Friday from 8:30am to 4:30pm, excluding State Holidays, and consumer complaints can be filed at any time at www.dos.ny.gov/
CONSUMER ALERT: DEPARTMENT OF STATE AND DIVISION OF CONSUMER PROTECTION ALERTS NEW YORKERS ABOUT REAL ESTATE AND RENTAL SCAMS
Scammers Posing as Real Estate Agents Using Current Listings to Try to Steal Down Payments and Security Deposits
New Yorkers Should Follow Simple Tips When Looking to Rent Property
The New York State Department of State and the Division of Consumer Protection today alerted consumers about real estate and rental scams, in which scammers work to steal prospective tenants’ money when they are looking to rent a home or an apartment. Rental scams are executed by criminals in a variety of ways, but the goal is the same: bilk potential tenants out of as much money as possible. According to Federal Trade Commission rental fraud data, New Yorkers claimed losses of over $1.7 million during the last three years.
“Shopping for a rental home or apartment can be a stressful, expensive and time-consuming process, especially with scammers actively trying to take advantage of New Yorkers,” said Secretary of State Rossana Rosado. “I encourage New Yorkers who are looking for a rental property to follow basic tips to avoid losing their hard-earned money through deceptive practices.”
An emerging real estate scam involves scammers who fraudulently impersonate the identity of a licensed New York State real estate professional, and present the real estate professional’s license as their own. The scammer then attempts to “rent” a property that isn’t theirs to one or more potential tenants—sight unseen—making off with security deposits, first month’s rent or prepaid rent. The scammers take legitimate rental postings and re-post or advertise them with their own contact information, often at enticing, lower rates than the original advertisement. The transactions are generally conducted by phone, text message or email with the scammer asking for a wire transfer, prepaid debit card, payment on a cash-based app or other method of payment that is not traceable.
Other scams include bait-and-switch techniques where a different property than the one available is advertised; rentals that are listed with features they don’t really have in order to garner higher rent; and charging potential tenants fees for background checks, then stealing the money and disappearing.
REBNY President James Whelan said, “We appreciate efforts by DOS to raise awareness of this problem in order to help protect the interests of consumers and members of the real estate industry. In addition to harming renters, these reprehensible scams can severely damage the reputations and livelihoods of New York’s honest, hardworking real estate agents, and such behavior has no place in our state.”
New York State Association of REALTORS®, Inc. Chief Executive Officer Duncan MacKenzie said, “The New York State Association of REALTORS®, Inc., the largest real estate trade group in the Empire State, applauds the Department of State and the Division of Consumer Protection for publicizing these illegal actions. We join DOS and DCP in urging consumers to be cautious about all real estate transactions and to always verify the identity of those they are engaged with. We will share this important alert with our 65,000 members and the many consumers they represent.”
To avoid falling victim to a rental scam, New Yorkers should follow basic tips:
- Verify that the real estate professional you are dealing with is licensed in the State of New York by visiting the Department of State’s Public License Search.
- Validate the real estate professional’s identity by conducting an independent online search to obtain the phone number associated with the professional’s license address. Call the number to verify. You can also request to see a copy of the DOS-issued photo license and arrange an in-person or video meeting to compare the ID.
- Confirm that the property you are interested in is legitimately on the market. Many scammers act as representatives of real estate that is not on the market or does not exist.
- Avoid paying any advance fees or deposits before having an opportunity to inspect the premises. Additional information on the types of fees an agent might be permitted to collect is available here.
- Never give checks or wire money directly to the agent. Agents must be paid directly from their broker of record. Deposits and fees should never be in the name of the agent.
- Demand a refund of your deposit or commission fee if the agent does not finalize rental or sale of the property. An agent earns a commission when he or she assists the landlord and tenant in reaching an agreement on all the terms of the apartment rental.
- Request everything in writing, and get receipts. Never complete transactions in cash. It is always better to leave a paper trail by using a credit card or a personal check. Make sure to save a copy of the payment for your records and keep in a secure location in case they are needed to dispute a charge. Real estate professionals are required by law to provide you copies of all instruments relating to the transaction.
- Refrain from providing personal or financial information unless you are absolutely sure you are dealing with a reputable business or agent.
If a consumer has fallen victim to a rental scam, they are encouraged to file a complaint with the Division of Consumer Protection. When the Division receives complaints about real estate agents or brokers, the complaints are referred to the Division of Licensing Services, which is responsible for licensing these professionals.
Senior News
Retirement -- not yet for many of us
BYLINE: By Matilda Charles
Many of us didn’t plan for this. Years after we expected to retire, we’re still working. For too many of us, working is still a necessity for financial reasons.
Careful planning likely convinced most of us that with a bit of savings and a monthly Social Security check we could safely (and voluntarily) retire. A recent study concluded that roughly 80% of us fall into this category, thinking we would be financially OK in retirement.
On the flip side of the coin, there are those who were pushed into early retirement before they were financially ready. Whether it was because of the health of a spouse and the need to become a caretaker or corporate downsizing, they were out the door and left in a difficult financial position, forced to sign up for Social Security before their full retirement age and giving up nearly one-third of the monthly benefit amount because of the early retirement. Many grab onto part-time jobs just to have a few extra dollars coming in every month. Those few extra dollars mean the difference between paying the light bill … or not.
I did an informal poll of neighbors and acquaintances, all of whom are past retirement age. A full 90% are employed, with most of them working at part-time jobs. All of them said it was for financial reasons. One gentleman shared that he’s working to save up for the glasses he needs, the costs that Medicare won’t cover. Another is working to put every possible dollar into paying off the last of her mortgage. Everyone else, it seems, is still working to put groceries on the table, keep gas in the car or make the mortgage payment.
Clearly, the small Social Security increases we’ve been receiving aren’t enough. They just aren’t.
NYSOFA, AgingNY and Discover Live Expand Access to Interactive, Virtual World Tour Experiences for Thousands of Older Adults in New York State
Live virtual tours support physical wellness, social connections, and brain health; see Spectrum News coverage for live tour in action
The New York State Office for the Aging (NYSOFA) and Association on Aging in New York (AgingNY) are expanding their partnership with Discover Live to offer interactive, immersive, virtual tours from around the world for older adults, supporting physical wellness, social connections, and brain health.
To date, NYSOFA, AgingNY and Discover Live have already provided 734 virtual tours to 11,010 older adult attendees at 51 host sites across New York State. The availability of tours is being expanded to an additional 51 host sites, doubling this offering to thousands more older adults. Host locations include senior centers, congregate meal sites, and Naturally Occurring Retirement Communities (NORCs), among other community spaces where older adults already participate in social-engagement programming.
Tours to date have included: Bahia, Brazil; Washington, DC; Croatia; Banff, Canada; Hawaii; Assisi, Italy; Gdansk, Poland; Buenos Aires, Argentina; Dublin, Ireland; Mexico City; Lisbon, Portugal; and so many more.
New York State Office for the Aging Director Greg Olsen said, “There are many reasons that older adults don’t or can’t travel. This includes fear of falls, finances, fear of covid, and having no one to travel with. This partnership accomplishes many things. It increases friendships and combats loneliness by organizing groups to meet up to five times per month, traveling to more than 200 locations across the globe. This experience allows people to learn about various cultures, traditions, and, even for many, to virtually visit where their ancestors came from. We are so pleased to expand this partnership to another 51 host sites across New York State.”
Association on Aging in New York (AgingNY) Executive Director Becky Preve said, “The ability for older individuals to participate in live, interactive, and safe travel across the globe via Discover Live has been inspirational. This program breaks down many of the barriers faced by older individuals that limit the ability to travel abroad, and allow this travel virtually, in real time. The Association on Aging in New York applauds this partnership that is showing incredible outcomes for individuals who participate. We are thrilled to see this expansion.”
Jason Wei, Founder and CEO of Discover Live, said, “The expansion of our partnership with NYSOFA and AgingNY represents a milestone in our mission to foster connections and discovery for older adults. Our commitment to innovation has led us to develop tours that not only achieve exceptional satisfaction rates, but also holistically address five dimensions of wellness. We’ve purposefully built in brain exercises, incorporated multilingual capabilities, and designed specialized tours for those with visual impairments. The introduction of Adora, our AI travel concierge, further enhances the personalized nature of each tour. Together with NYSOFA and AgingNY, we’re proving that geographic boundaries need not limit lifelong learning, social connection and world exploration for older adults.”
Since 2017, Discover Live has utilized live HD video – through platforms like Zoom – to connect older adults with expert tour guides from around the world. The guides are live and on-location, engaging and interacting with participants who enjoy these immersive experiences. To date, the NYSOFA and AgingNY partnership with Discover Live has brought older adults to five continents, 67 cities and 25 countries.
NYSOFA’s work with Discover Live is among more than 20 public-private partnerships with leading technology innovators, transforming the field of aging services, addressing social determinants of health, and connecting older adults.
Combating social isolation and improving overall health and wellness have been a cornerstone of the aging services network for decades. Eye-opening data on the health impact of social isolation led NYSOFA to begin establishing a series of public-private partnerships, recognizing the many technological tools that now exist to fill in service gaps, enhance services, and address workforce shortages. According to AARP and the U.S. Centers for Medicare and Medicaid Services (CMS), loneliness and isolation are equivalent to smoking almost a pack of cigarettes per day, cost Medicare more than $7 billion to treat, make chronic conditions worse, increase mortality, depression and anxiety, and increase the risk of developing dementia.
CONSUMER ALERT: New York Department of State’s Division of Consumer Protection Warns Consumers to Be Cautious of Charity Scams
Giving Tuesday is December 3rd, Marking the Beginning of the Season of Charitable Giving
Follow These Tips to Donate Wisely and Avoid Charity Scams
Secretary Mosley: “Make sure to follow our tips and use our Division of Consumer Protection’s website and Consumer Assistance Helpline as go-to resources so you can prevent your donation money from falling into the wrong hands.”
In advance of Giving Tuesday, the New York Department of State’s Division of Consumer Protection is warning consumers to be cautious of charity scams. Charity scams can happen at any time, but they are often more prevalent during the holiday season when donors are moved by both generosity and the end-of-year deadline for securing tax deductions. On many occasions, these fraudsters pretend to be affiliated with well-known organizations or even the government to scam people out of their hard-earned money. According to the Federal Trade Commission, there were 9,809 reports of charitable solicitation fraud nationwide in 2023, but many of these scams go unreported because individuals may not know where their donations are going or that they are being scammed.
“The holiday season is here, and many New Yorkers are looking for ways to donate to their favorite causes through charitable organizations,” said Secretary of State Walter T. Mosley. “While the holidays are a time for kindness and giving, scammers may also see this time as an opportunity to exploit the generosity of others. Make sure to follow our tips and use our Division of Consumer Protection’s website and Consumer Assistance Helpline as go-to resources so you can prevent your donation money from falling into the wrong hands.”
Consumers should take the following precautions before donating:
- Check the legitimacy of the charitable organization: Charities located or engaging in substantial fundraising in New York State should be listed on the New York State Attorney General’s database of registered charities. Research before you donate to verify registration by checking the database and other websites such as bbb.org, www.give.org and www.guidestar.org, in addition to visiting the charity’s website. If donating toward relief efforts, visit a site such as disasterphilanthropy.org to ensure your donation is going to help those in need.
- Learn to detect a phony charity: Some scammers will create fake “charities” and try to trick you with names similar to well-known charities. Pay attention to the charity’s full name, web address, contact information, donation policies, etc. Scammers may copy or mimic the name of a familiar, trusted organization to swindle you.
- Designate your donation: Ask how your donation will be allocated between direct services and administrative fees. Unless you designate a specific purpose for your donation, it will go into the organization’s general fund, so make sure to note if you are sending money for a specific purpose (i.e.: “Playground Fund”).
- Be cautious of third-party fundraisers: If a solicitation comes from a third-party company, the charitable organization will receive only a percentage of your donation. If you want to ensure the charity receives the whole amount, donate directly to the charity instead. For more information, access the New York State Attorney General’s website and review the annual “Pennies for Charity” report.
- Pay attention to vague claims: Be on alert for claims without any clear plan, such as “all proceeds go to cancer treatments” or “donations go to veterans who can no longer work.” Instead do some research on the charity before you decide.
- Resist high-pressure tactics: Charity fraud scams can come in many forms, whether by email, social media, crowdfunding platforms, cold calls, etc. Watch out for direct e-mails from “victims” and solicitors who employ heart-wrenching stories, insisting that you donate immediately. It is highly recommended to never provide personal information to unsolicited telemarketers, but instead ask the caller to provide you with the full name of the charitable organization, website address and contact information to research and verify.
- Find out who’s behind the crowdfunding request: Online crowdfunding websites like GoFundMe, Indiegogo and Crowdrise make it easy for people to create crowdfunding campaigns. To protect yourself, remember to only give to people you know directly. It’s also important to understand the crowdfunding site’s rules, policies and vetting procedures. It can be helpful to know these ahead of time to determine how they are protecting consumers from potential fraud.
- Never disclose personal information: Do not provide any personal information such as your credit card number, Social Security number or any other personal identifying information in response to an unsolicited charitable request.
- Never give cash: Give your contribution by check or credit card to ensure that you have a record of the donation. Make checks out to the charity, not to an individual. If you choose to make a donation via a charity’s website, check that the website is secure and that your computer is equipped with the latest anti-virus protection. Check for the padlock to the left of the URL search bar to ensure the site is secure. Do not send funds to anyone asking for bitcoin or cryptocurrency as these payments typically have no protections against fraud.
- Don’t mail checks from public collection boxes: According to the US Financial Crimes Enforcement Network, the number of check fraud crimes nationwide has increased since 2020. To avoid this fraud, go directly to the post office to deposit mail. If you need to use a public U.S. Postal Service collection box, try to do so before the last pickup of the day to minimize the amount of time the check spends in the box.
- Double check before you deduct: Donations made to individuals or organizations that are not tax-exempt are not deductible. To find out if a donation will be tax deductible, research an organization’s tax-exempt status at the Internal Revenue Service Tax Exempt Organization Search. Request a receipt and track the status of your donation.
A Free Bible Course That Changes Lives
FY24 MAYOR’S MANAGEMENT REPORT: ADAMS ADMINISTRATION HAS DRIVEN MAJOR IMPROVEMENTS IN SAFETY, AFFORDABILITY
NEW YORK – New York City Mayor Eric Adams today celebrated another year of making New York City safer, cleaner, and more affordable for hardworking New Yorkers, as indicated by the latest (MMR) for Fiscal Year 2024 — a report assessing city agency performance for all of Fiscal Year 2023, from July 1, 2023, to June 30, 2024. The report shows significant improvements in the areas New Yorkers care about most — public safety, housing, affordability, and quality of life.
“New Yorkers elected this administration because they wanted a safer, more affordable city, and this year’s MMR shows that we’re continuing to deliver exactly that,” said Mayor Adams. “We are moving full-speed-ahead on our initiatives to get illegal guns, illegal mopeds, and black trash bags off the streets; breaking housing record after housing record; and helping put billions of dollars back into the pockets of working-class New Yorkers — and residents of the five boroughs are seeing the results. New York City isn’t just coming back, and it’s not just back — thanks to our administration, it’s better than ever.”
“The latest MMR highlights the significant strides we’ve made in making New York City safer, more affordable, and a better place to live,” said First Deputy Mayor Sheena Wright. “This year, we’ve seen unprecedented reductions in crime, and groundbreaking improvements in housing and affordability. I am proud to be a part of an administration that remains focused on delivering results that enhance the quality of life for every New Yorker.”
“Our North Star has always been building a safer, more affordable city, and that’s exactly what we’re doing,” said Chief Advisor Ingrid P. Lewis-Martin. “We, however, are not resting on our laurels: building more housing — and not just housing but affordable housing — creating more jobs, initiating programs such as ‘Money in Your Pocket’ to do exactly that, and so much more.”
“We are committed to data-driven strategies that ensure efficient, effective, and timely services for all New Yorkers. Every day, this administration works to address the issues that matter most, striving to make the city safer, more affordable, and more inclusive” said Chief of Staff Camille Joseph Varlack. “We’ve increased availability to affordable housing, had greater participation in youth programs, invested in public health programs, and so much more. We’ve made significant progress, but the work doesn’t stop. We’re going to continue to show up for New Yorkers, every single day.”
“This administration dedicates itself, among many other things, to safe, quality, affordable housing; getting New Yorkers into quality jobs with family-sustaining wages; support for small businesses; putting money in New Yorkers’ pockets, and this MMR proves again that we’re surpassing our goals,” said Deputy Mayor for Housing, Economic Development and Workforce Maria Torres-Springer. “We have to improve life for New Yorkers on every possible level, and we’re doing what the mayor has always directed us to do: get stuff done.”
“As individuals and families continue to navigate life, they expect their government to work. Over the last year, we continue to do that work and deliver across our portfolios,” said Deputy Mayor for Health and Human Services Anne Williams-Isom. “In the health arena, we’ve enrolled more people in NYC Care and in Medicaid, both foundational supports to give more people access to the health care they need. Additionally, we moved 13 percent more single adults and 42 percent more families with children from shelter to permanent housing. Over the coming year, we will continue to build on efforts across the administration to help every New Yorker thrive.”
“Investment in shared streets and parks is more than just nice to have; it is proof that our city cares about your lived experience no matter your zip code,” said Deputy Mayor for Operations Meera Joshi. “From planting record numbers of trees to installing more safety infrastructure on our streets and keeping our parks and public bathrooms in working shape for working people, we’re delivering a better, safer, cleaner city for all New Yorkers.”
“New York City is safe and continues to move in the right direction,” said Deputy Mayor for Public Safety Philip Banks III. “People are safe and feel safe. From major crime to the ever-important quality of life issues, like illegal cannabis shops and ghost cars, the city is making significant progress. Jails are safer for not just the people in custody but for the officers and visitors. We are better prepared for emergencies. We thank all New Yorkers who work hand-in-hand with this administration and will continue to work together as one team to deliver on safety.”
“Every young person in our city, and their families, deserve access to high-quality, inclusive support. I am committed to ensuring our policies and programs embody this commitment,” said Deputy Mayor for Strategic Initiatives Ana J. Almanzar. “As New York City advances in revitalization, our administration is dedicated to equipping young people with essential tools and resources. Our achievements this year, including improved and increased access to child care and a strong summer youth employment program, underscore our commitment to valuing investment in our youth, which is the future of our city.”
“When we came into office, we committed to building a safer, more affordable city for all New Yorkers. Over two-and-a-half years later, the MMR confirms that we continue to do just that,” said Deputy Mayor for Communications Fabien Levy. “We’ve brought overall crime down, including double digit decreases in homicides and shootings, helped connect more families to afford child care, shattered affordable housing records, helped put money back into the pocket of New Yorkers, and so much more. We’ve worked across agencies and mayoral offices to keep New Yorkers safe, make our city more affordable, and deliver every day for working-class people.”
“We have partnered with our elected officials at every level of government to deliver for working-class New Yorkers,” said Director of Intergovernmental Affairs and External Relations Tiffany Raspberry. “The victories we achieved in Washington, DC, Albany, and locally have helped us build a safer, more affordable New York City.”
“Public schools are the foundation of both this city and our administration’s priorities. From enhancing literacy to creating pathways for rewarding careers to investing over $1.5 billion in our schools, we are committed to providing the resources and support necessary for a world-class education,” said New York City Public Schools Chancellor David C. Banks. “With the collective dedication of 140,000 staff members, New York City Public Schools are united in driving this mission forward and elevating all of our schools.”
“The men and women of the NYPD are tirelessly working to prevent crime, resulting in significant reductions in serious offenses. They remain dedicated to decreasing acts of violence and disorder, while also improving the quality of life in every neighborhood of New York City,” said New York City Police Department (NYPD) Interim Commissioner Thomas Donlon. “Since the beginning of this mayoral administration, NYPD officers have successfully removed more than 18,300 guns from our streets. Today, they continue to create a safer and more secure environment for all the people we serve.”
“Each year since 1977, the Mayor’s Management Report gathers and publishes essential metrics from city agencies, allowing the public to assess the city’s performance in its wide range of functions and responsibilities,” said Mayor’s Office of Operations Director Dan Steinberg. “This year, the Mayor’s Office of Operations concluded a reassessment of the performance goals and metrics in the MMR as directed by the mayor, to make sure that we’re measuring what New Yorkers want our agencies to be doing. As a result, agencies introduced over 20 new goals and nearly 350 new indicators, enhancing transparency, accountability, and public insight into service delivery as the administration continues to build a safer, more affordable city for working-class New Yorkers.”
Highlights of this year’s MMR include:
Keeping New Yorkers Safe:
- Overall major felony crime decreased again this fiscal year, driven by a 15 percent decrease in murders and an 18 percent decrease in shootings.
- The NYPD continued to increase its level of enforcement, with a 10 percent increase in major felony crime arrests, 34 percent increase in summonses for quality-of-life infractions, and 25 percent increase in summonses for transit infractions.
- The New York City Department of Transportation installed 27 percent more protected bike lanes and 73 percent more bike parking spaces — both the second most ever built in a year — and 94 percent more speed reducers, the most on record.
- Public safety agencies seized more than 20,000 illegal mopeds and scooters — nearly four times more than in the previous fiscal year.
- New York City’s jails were safer, with fewer stabbings and slashings, fewer injuries due to assaults on staff or violent incidents among people in custody, and fewer weapons recovered than in the previous fiscal year.
- There were fewer fires, 27 percent fewer civilian fire fatalities, and 26 percent fewer firefighter injuries requiring leave — driven by the Fire Department of the City of New York (FDNY) and Mayor Adams’ E-Micromobility Task Force’s work on lithium-ion batteries.
- The FDNY, the New York City Department of Buildings, and the New York City Department of Housing Preservation and Development (HPD) all completed more inspections than in the previous fiscal year.
- HPD issued 24 percent more violations and responded to emergency problems 10 percent faster than in the previous fiscal year.
- The New York City Housing Authority (NYCHA) abated 54 percent more units for lead, part of Mayor Adams’ commitment to prioritize NYCHA residents.
- The New York City Department of Parks and Recreation (NYC Parks) planted approximately 42,000 trees — a 35 percent increase from the previous fiscal year, and the most trees planted since FY17 — to protect New Yorkers from extreme heat.
- The New York City Department of Environmental Protection cleared obstructed catch basins 24 percent faster than in the previous fiscal year.
Helping Put Money in New Yorkers’ Pockets:
- 25 percent more families signed up for subsidized child care — now less than $5 per week for a family making $55,000 per year, down from $55 per week — than in the previous fiscal year. More families used MyCity to submit their applications for subsidized child care, increasing by 382 percent.
- NYCHA placed 19 percent more youth in jobs through its on-site jobs programs and partnerships with the New York City Department of Community and Youth Development.
- More young New Yorkers than ever participated in free Summer Rising, Summer Youth Employment, recreation center, and NYC Parks youth programming — programs expanded and protected by the Adams administration.
- New York City set a new all-time high jobs record.
- The New York City Department of Small Business Services helped 19 percent more businesses open, served nearly 25,000 customers and businesses overall, and helped 13 percent more jobseekers register through the Workforce1 system for the first time.
- 20 percent more New Yorkers without insurance enrolled to receive low-cost or no-cost health services through NYC Care, and 5 percent more New Yorkers enrolled in Medicaid through the New York City Human Resources Administration (HRA).
- HRA increased enrollment in Fair Fares by 15 percent, helping New Yorkers with low incomes manage their transportation costs
- The New York City Department of Consumer and Workforce Protection provided financial counseling to 32 percent more New Yorkers, including 38 percent more first-time clients. Financial counseling helped reduce clients’ debt by 15 percent more and helped clients save 14 percent more than the previous fiscal year.
- Certified more firms as minority- and women-owned business enterprises (M/WBE), recertified more reapplying firms as M/WBEs, and informed more M/WBE vendors about available city contracts.
- Issued 5 percent more IDNYC cards to help New Yorkers access benefits and other financial supports.
Building More Housing:
- Total affordable housing starts increased by 4 percent to 25,266, while supportive unit starts increased 9 percent to a record high of 2,155.
- A record 58 percent of housing units started by HPD were new construction, those 14,739 units represent the most new construction starts in the city’s history, and a 16 percent increase from the previous fiscal year.
- HPD created and preserved 60 percent more affordable units for seniors.
- HPD moved 70 percent more homeless households into a newly constructed unit and 17 percent more into a re-rental unit.
- HPD started 15 percent more units for homeless individuals and families.
- There was a 6 percent increase in units of supportive housing available to people with mental health and substance abuse.
- HPD approved 5 percent more applicants for affordable housing through the lottery, while speeding up the approval process.
- HPD increased contract awards to M/WBE affordable housing contractors through the Build Up program by 248 percent.
- HPD produced 2,130 homeownership units, more than twice as many as the previous fiscal year.
- The New York City Department of Social Services placed 13 percent more single adults and 42 percent more families with children from shelter into permanent housing overall, fueled by 22 and 25 percent increases in subsidized placements for singles and families, respectively.
Improving Quality of Life:
- The New York City Department of Sanitation (DSNY) diverted nearly 130 tons of organic waste from landfill, marking a 23 percent increase from last year and making it the nation’s largest organic waste program.
- Utilization of DSNY Smart Composting bins increased by 300 percent, ahead of the city’s expansion of free, pain-free weekly curbside composting to every borough this fall.
- 21 percent more New Yorkers were members of NYC Parks recreation centers, fueled by Adams administration investments in marquee projects like the Shirley Chisholm Recreation Center in East Flatbush and the Brownsville Recreation Center.
- The New York City Department of Citywide Administrative Services increased its electric vehicle (EV) fleet by 12 percent and its EV charging ports by 21 percent — work which will likely accelerate further, as the administration recently won a $15 million federal grant to build the nation’s largest municipal curbside EV charging program.
MAYOR ADAMS KICKS OFF PUBLIC REVIEW OF “CITY OF YES FOR HOUSING OPPORTUNITY” PROPOSAL
Proposal is Most Pro-Housing Set of Zoning Changes in City History With Potential to Produce as Many as 108,850 New Homes Over 15 Years
Public Review Begins Today as Administration Refers Proposal to Community Boards and Borough Presidents
NEW YORK – New York City Mayor Eric Adams today rallied with working-class New Yorkers to kickoff the start of public review on “City of Yes for Housing Opportunity,” the most pro-housing proposal in New York City’s history. The proposal would enable the creation of “a little more housing in every neighborhood” through a set of carefully crafted zoning changes — which has not been done in more than half a century — to increase overall housing supply. The New York City Department of City Planning (DCP) released the draft environmental impact statement of the proposal, which estimates it could produce as many as 108,850 new homes over the next 15 years. As New York City faces a generational housing crisis with just a 1.4 percent rental vacancy rate, the Adams administration is proposing bold, forward-thinking solutions to deliver the housing that New Yorkers need. Public review officially begins today when DCP refers the proposal to community boards and borough presidents. At the end of the public review process, City of Yes for Housing Opportunity will be voted on by the New York City Council by the end of the year.
“For too long, New York City has been at the mercy at folks who have said ‘no.’ In our administration, we continue to proudly say ‘yes’ — ‘yes’ to building more affordable housing in my backyard, in my neighborhood, and on my block,” said Mayor Adams. “Today, the City Council is kicking off the public review process for our ‘City of Yes for Housing Opportunity’ proposal —the most ambitious pro-housing proposal in New York City’s history. To address this housing crisis, we need to think bigger and act faster, and that’s what our plan does. We are calling our city council members to listen to New Yorkers in need of more affordable housing and say ‘yes’ to the ‘City of Yes for Housing Opportunity.’”
“‘City of Yes for Housing Opportunity’ is a bold initiative aimed at revitalizing New York’s housing landscape,” said First Deputy Mayor Sheena Wright. “By reforming zoning laws, we are not only addressing the pressing need for affordable and accessible housing, but also laying the foundation for a more inclusive and equitable future. This proposal reflects our commitment to fostering vibrant communities and builds upon what the Adams administration has already accomplished, such as financing a record number of affordable homes in 2023. We are committed to working with the City Council to change what housing looks like in New York City, and ensuring every New Yorker can thrive.”
“To solve our severe housing crisis, the solution is simple: we need to build more homes,” said Deputy Mayor for Housing, Economic Development, and Workforce Maria Torres-Springer. “The ‘City of Yes for Housing Opportunity’ proposal is a bold plan to create the most pro-housing changes in the history of our zoning code by an equally simple solution of distributing new housing more equally across the city. Kicking off the public review process is a critical milestone in moving this impactful work forward, ensuring that working-class families can continue to live in the greatest city on Earth.”
“The time has come for action on New York’s housing crisis. By building a little more housing in every neighborhood, we can set our city on course for a more affordable future,” said New York City Department of City Planning (DCP) Director and City Planning Commission (CPC) Chair Dan Garodnick. “The invisible walls that prevent housing in too many of our neighborhoods are driving high rents, displacement pressure, homelessness, and creating an imbalance of power between landlords and tenants, but our housing shortage is a policy choice. We look forward to talking with communities across the city about how this proposal would help lower housing costs across the board.”
“New York City is at a critical fork in the road — we can either continue struggling with record homelessness and housing scarcity or we can fix our broken zoning and say ‘yes’ to housing opportunity,” said New York City Department of Housing Preservation and Development Commissioner Adolfo Carrión Jr. “The diversity of our neighborhoods makes New York City remarkable, but without truly affordable housing in every corner, we risk losing families, working people, and our defining vibrancy. It’s time for bold action to ensure housing equity across all neighborhoods. Today marks the start of saying ‘yes’ to more housing, but it’s more than that. Today, we’re also saying: ‘yes’ to ensuring families can live within walking distance to public schools, ‘yes’ to opportunities for voucher holders, ‘yes’ to putting down roots near parks, and ‘yes’ to building communities not just buildings.”
“As a citywide text amendment, the ‘City of Yes for Housing Opportunity’ is bold on its face, but simple in its message: With a little more housing in every neighborhood, we can take meaningful steps towards making our great city more affordable, more livable, and more inclusive,” said New York City Executive Director for Housing Leila Bozorg. “I commend DCP, HPD, and every partner that has played a role in shaping this proposal to reach this important step of referral to community boards, and I look forward to seeing how input from a wide range of stakeholders will help advance our shared goals. The roots of our city’s affordability challenge lay in our housing shortage, and its due time for every neighborhood to step up and play a role in housing our neighbors.”
“For far too long, efforts to create and provide affordable housing have been nothing less than a ‘City of No,’” said Mayor’s Office of Faith-Based and Community Partnerships Executive Director Pastor Gilford T. Monrose. “Myriad outdated zoning requirements have stymied our ability to think creatively and provide the avenues for our faith-based institutions to efficiently utilize their facilities for the creation of severely needed affordable housing. I commend Mayor Adams for making what has been a ‘City of No’ into a ‘City of Yes.’ All of us in the faith-based community welcome the zoning changes and review by the New York City Planning Commission, and look forward to working with our community partners to expand housing opportunities for both homeless and low-income New Yorkers.”
“From business districts to backyards, we must leave no stone unturned when it comes to creating more opportunities for affordable housing in every borough,” said “New” New York Executive Director B.J. Jones. “The Adams administration is doing just that by advancing comprehensive zoning reforms to foster inclusive growth that will benefit all New Yorkers.”
Prior to the start of public review, DCP and HPD conducted extensive outreach and engagement with New Yorkers, including 10 public information sessions, two years of meetings with impacted stakeholders, and released an annotated version of the draft zoning text along with an illustrated guide. The proposal will now be reviewed by community boards, borough presidents, and borough boards before the CPC holds a hearing and a vote this fall. If approved by the CPC, the City Council is anticipated to hold a hearing and a vote on the proposal before the end of the year.
City of Yes for Housing Opportunity is the most pro-housing set of zoning changes in New York’s history. The proposal includes lifting arbitrary and costly parking mandates for new residential construction; the Universal Affordability Preference, a bonus allowing roughly 20 percent more housing in developments, as long as the additional homes are permanently affordable at an average of 60 percent of the area median income; transit-oriented development and Town Center zoning, which would allow three-to-five story apartment buildings to be built near transit and along commercial corridors, respectively; and allowing homeowners to add accessory homes like backyard cottages.
Additional proposal components include facilitating conversion of non-residential buildings like offices to housing; re-legalizing small and shared housing models with common facilities like kitchens; allowing development on large lots known as campuses that are today limited by outdated rules from using existing development rights; and creating new zoning districts that would allow more housing, including mandatory affordable housing, that had previously been restricted by state law. City agencies are also advancing a slate of related, non-zoning efforts to guide implementation of the proposals, such as rules for HPD administration of the Universal Affordability Preference as well as technical assistance and financing tools to assist homeowners who want to add secondary homes onto their property.
In addition to City of Yes for Housing Opportunity, the Adams administration is using every tool available tool possible to address the housing crisis. The Adams administration successfully advocated for new tools in this year’s New York state budget that will spur the creation of urgently needed housing. These include: a new tax incentive for multifamily rental construction, a tax incentive program to encourage office conversions to create more affordable units, lifting the arbitrary “floor-to-area ratio” cap that held back affordable housing production in certain high-demand areas of the city, and the ability to create a pilot program to legalize and make safe basement apartments.
Under Mayor Adams’ leadership, the city financed a record number of affordable homes in 2023 and is ahead of schedule on a State of the City commitment to advance two dozen 100-percent affordable housing projects on city-owned land this year through the “24 in ‘24” initiative. Mayor Adams has also taken steps to cut red tape and speed up the delivery of much-needed housing, including through the “Green Fast Track for Housing,” a streamlined environmental review process for qualifying small- and medium-sized housing projects; the Office Conversion Accelerator, an interagency effort to guide buildings that wish to convert through city bureaucracy; and other initiatives of the Building and Land Use Approval Streamlining Taskforce.
City of Yes for Housing Opportunity is the third of the Adams administration’s three “City of Yes” initiatives to update New York City’s zoning for a more sustainable, prosperous, and affordable city. The first — “City of Yes for Carbon Neutrality”— was adopted by the City Council in December. The second — “City of Yes for Economic Opportunity” was approved by the CPC on March 6 and is now being considered by the City Council.
“New York City’s housing crisis is real, and it is especially problematic for low-income New Yorkers who increasingly have fewer or no options to move into affordable housing,” said Richard R. Buery, Jr., chief executive officer, Robin Hood; and co-chair, “New” New York Panel. “Dismantling exclusionary zoning laws, increasing the supply of affordable rental housing units, converting office space into residential dwellings, and moving New Yorkers from shelters into permanent housing are all urgently needed and welcomed reforms for an imbalanced housing market that continues to erode livability in New York City. The mayor’s plan, ‘City of Yes for Housing Opportunity,’ is a decisive first step in the right direction.”
“Funding and building more housing will not only provide this basic need to those who need it most, but also generate thousands of good paying union careers for hardworking New Yorkers from all backgrounds,” said Gary LaBarbera, president, Building and Construction Trades Council of Greater New York. “This is why we support Mayor Adams’ City of Yes initiative and applaud his commitment to addressing the housing crisis. Our members stand at the ready to get critical housing projects off the ground, all while taking the opportunity to pursue the middle class and support their families.”
“Tearing down barriers to housing growth is vital to New York City’s economic vitality,” said Dan Doctoroff, co-chair, “New” New York Panel. “To achieve the city’s moonshot goal of 500,000 units, we must build upon this year’s crucial legislative reforms and remove archaic zoning regulations that have inhibited the supply of affordable housing for too long.”
“The workers who help run this city should be able to live in it, and we need meaningful leadership on this issue to benefit all New Yorkers, said Manny Pastreich, president, 32BJ. “The City of Yes for Housing Opportunity directly addresses this challenge, amplifying housing supply and facilitating housing opportunities for our members within their cherished city. We’re grateful for the mayor’s proactive approach to this solution.”
“For too long, hospitality workers have been feeling the pinch of New York’s housing crisis. From sky-high rents to housing shortages and long commutes, the need for change is urgent,” said Rich Maroko, president, Hotel and Gaming Trades Council. “The City of Yes for Housing Opportunity is a bold zoning reform proposal poised to tackle our housing crisis head-on. This initiative opens doors to greater housing options, affordability, and stability for working families.”
“Our housing crisis demands immediate action, and for too long, some neighborhoods have been shouldering more responsibility to build new homes while others opted out. The City of Yes for Housing Opportunity will add more housing in every neighborhood,” said Rachel Fee, executive director, New York Housing Conference. “This is the most comprehensive strategy to address the city’s housing shortage in recent memory, and we’re incredibly proud to lead a group of more than 130 advocates and providers through our Yes to Housing coalition, working closely with the Adams administration and community leaders to ensure the proposed zoning changes benefit all New Yorkers.”
“The City of Yes for Housing Opportunity outlines two key strategies for curbing transportation emissions: transit-oriented development and the removal of parking mandates, which together would allow public transportation to thrive and micro-mobility alternatives to flourish, resulting in a greener, cooler, and safer city,” said Julie Tighe, president, New York League of Conservation Voters. “We applaud Mayor Adams and DCP Director and City Planning Commission Chair Dan Garodnick for embracing this vision and we look forward to advocating for COY for Housing Opportunity in the weeks and months ahead.”
“I applaud Mayor Eric Adams for his vision and leadership in the City of Yes – Yes in God’s Backyard initiative. This initiative will revitalize the faith community of the City of New York and result in essential affordable housing and social services energetically being employed in underserved communities citywide. The City of Yes is a model to be replicated nationwide. Thank you, Mayor Adams and team,” said Dr. Malcolm A. Punter, president & CEO, Harlem Congregations for Community Improvement, Inc.
“Bricks and Mortals is inspired by the opportunities that faith-based organizations will have through the implementation of the City of Yes for Housing Opportunity. This legislation provides more opportunities for faith-based organizations to continue to play an integral role in supporting New Yorkers in need of housing,” said Kate Toth, executive director, Bricks and Mortals. “As chair of The Mayor’s Working Group on Faith-Based Affordable Housing & Community Development, we know it’s integral that faith-based organizations be empowered to maximize the use of their properties to better serve their communities. The City of Yes for Housing Opportunity is an important step for faith communities and for all New Yorkers.”
“We can’t solve New York City’s housing affordability crisis when fighting over every piece of land and each individual building. We need comprehensive citywide solutions, and ‘City of Yes for Housing Opportunity’ begins to do just that,” said Annemarie Gray, executive director, Open New York. “Open New York is excited to be part of a broad coalition supporting these essential changes to New York City’s outdated zoning code. These are common-sense measures to ensure every neighborhood takes part in solving our dire housing shortage. For far too long, many of the most well-resourced parts of the city have been de-facto off-limits to new residents. We look forward to working with the mayor, the City Council, and other stakeholders to ensure that the city fully embraces this opportunity to put us on the path to housing abundance.”
“The City of Yes mantra of ‘a little more housing in every neighborhood’ embodies maximizing available space to efficiently meet growing housing demands,” said Carlo A. Scissura, Esq., president and CEO, New York Building Congress. “The plan encourages repurposing underutilized space for housing and office conversions, breathing new life into neighborhoods. By allowing smaller-scale housing construction in low- and medium-density districts, we can ensure housing growth equitably distributed across the city. Our members are ready to build – City of Yes is an essential tool toward that end.”
“The Adams’ administration’s proposed City of Yes for Housing Opportunity text amendment would help reverse New York’s decades-long trend of housing production failing to keep pace with population and job growth, which is at the root of New York’s housing crisis,” said Andrew Rein, president, the Citizens Budget Commission. “It takes the right approach: update New York City’s outdated zoning rules to spur more housing – everywhere and for everyone – and do so at the scale needed to improve the housing market for current and future New Yorkers.”
“The City of Yes plan will remove major obstacles blocking the expansion of New York City’s housing supply,” said Grace Rauh, executive director, 5BORO Institute. “5BORO is proud to be part of a coalition that is prioritizing high impact policies that take aim at the root causes of our housing and affordability crisis. We urge support for these initiatives. We simply cannot afford to wait any longer to build the new housing New York desperately needs.”
“New York State needs over 800,000 more housing units over the next decade to address current needs and future demand – a nearly 10 percent increase over our current housing stock,” said Tom Wright, president & CEO, Regional Plan Association. “The crisis is particularly acute in New York City, where a vacancy rate of 1.4 percent is the lowest in a half century. City of Yes for Housing Opportunity will encourage all communities to build a little more housing. The proposals are especially critical now, as we commence historic investment and improvement to our critical transportation network thanks to unprecedented federal funds and a $50 billion MTA capital plan. We must add housing and increase density to support a virtuous cycle of investment that benefits all New Yorkers. Failure to act will worsen our housing crisis and fail to connect major infrastructure investments to thriving communities.”
“Simply put: to end the housing crisis that’s making our state unaffordable, we must build more housing,” said Valerie White, senior executive director, LISC NY. “It’s exciting to see our elected leaders saying yes to more housing by prioritizing construction of the safe, affordable homes that serve as a pathway to opportunity, which will help close the racial wealth gap.”
“As zoning has become increasingly restrictive, our housing crisis has deepened. Not only do we not have too little housing, we also lack the range of types of homes New Yorkers need, from low-density to high-density neighborhoods,” said Howard Slatkin, executive director, Citizens Housing & Planning Council. “The zoning changes proposed under the City of Yes for Housing Opportunity would help us add more and more types of housing, including ‘missing middle’ homes and smaller apartments for seniors or single adults. These changes are crucial if we are going to house more New Yorkers, better and more affordably.”
“Along with the preservation and enforcement of tenant protections, the expansion of the supply of available housing options is one of the most important strategies for addressing New York City’s ongoing housing affordability crisis,” said Aaron Carr, founder and executive director, Housing Rights Initiative. “To that end, Housing Rights Initiative is pleased to endorse City of Yes. We are especially pleased to see that the proposal includes a diversity of policies tailored to the existing built environments of different neighborhoods. This will help ensure that each and every neighborhood can equitably contribute to the shared responsibility of expanding our city’s housing supply.”
“City of Yes for Housing Opportunity advances an equitable approach to housing growth by allowing every neighborhood to contribute to solving our region’s housing supply deficit,” said Matthew Dunbar, interim co-CEO, Habitat for Humanity New York City and Westchester County. “Building an equitable New York requires dismantling systems that intentionally prevent housing from being built and unlocking opportunities across all communities. This proposal incentivizes affordable housing in new developments and reduces barriers for faith communities, transit-rich neighborhoods, and homeowners to build homes for — and with — their neighbors.”
“By eliminating antiquated and unnecessary barriers to housing development, City of Yes for Housing Opportunity will create opportunities to build more housing citywide and tackle our housing crisis head on,” said Jesse Lazar, executive director, American Institute of Architects New York. “With challenges to building affordable housing mounting due to high property costs, interest rates, and construction costs, the proposal will add the critical tools needed to ensure all New Yorkers have access to safe and affordable housing. The proposed combination of zoning changes will eliminate key restrictive barriers that have stunted housing development allowing us to build all types of housing and prioritize neighborhood character.”
“The City of New York is facing an unprecedented housing crisis. The Adams administration through the City of Yes for Housing Opportunity Plan is attempting to meet that challenge head-on by removing barriers which have prevented the creation of more affordable homes for generations. We have to partner with the mayor today so hard working, poor and vulnerable New Yorkers have a better tomorrow,” said Kirk Goodrich, president, Monadnock Development and co-host, “The Housing Problem” podcast.
“Every New York City neighborhood has an equal responsibility to expand the housing safety net. Yet, for far too long, lower-income communities have seen the disproportionate number of affordable housing developments across the five boroughs. City of Yes will level that playing field and bring much-needed equity to the housing landscape,” said Jolie Milstein, president & CEO, New York State Association for Affordable Housing. “Restrictive zoning conditions exacerbate historic patterns of segregation and increase the cost of living for all residents, while also placing an undue burden on certain neighborhoods to address the affordable housing crisis. By calling on each community to increase housing through a series of much-needed reforms and initiatives, we will get closer to ensuring that New Yorkers can access housing in every corner of the city – no matter what their income level. Only when this occurs can we truly achieve kind of fair and equitable city that all residents deserve.”
“New York City’s progress is stalling under an antiquated zoning code that prioritizes cars over people, density, and affordability. Finally, we can reform that with City of Yes for Housing Opportunity,” said Sara Lind, co-executive director, Open Plans. “Lifting arbitrary parking mandates citywide will allow us to take the first step toward a new era where housing is affordable, streets are walkable, transit options are abundant, and neighborhoods are climate resilient. The upcoming review period will allow every community board member and local leader to embrace this chance to shape our city according to modern ideals, rather than clinging to car-centric, prejudicial values of the past. We applaud the Adams administration and the Department of City Planning for advancing this bold proposal that will make a lasting impact on our city for generations to come.”
“City of Yes Housing Opportunity is pivotal to addressing the housing crisis in New York. These reforms would increase housing production across the city to relieve pressure on the system and improve equitable housing access,” said Scott Short, CEO, RiseBoro Community Partnership.
“New York City’s housing crisis is decades in the making,” said Brenda Rosen, president & CEO, Breaking Ground. “As City of Yes for Housing Opportunity begins the public review period, it’s important to remember how desperately we need these proposed interventions to address persistent unaffordability and homelessness. This smart package of reforms will ensure that every neighborhood participates in adding housing. We will not solve this crisis overnight, but with City of Yes we can take crucial steps toward building a more affordable and equitable New York City.”
“New York’s booming tech ecosystem attracted more New Yorkers than any other city last year, and as this trend continues, it is essential that our housing infrastructure can support these new arrivals and lifelong New Yorkers alike,” said Julie Samuels, president & CEO, Tech:NYC. “City of Yes for Housing Opportunity will get this done and show that New York City is open for business. This is a smart, sensible policy, and we look forward to the City Planning Commission and City Council approving this plan by the end of the year.”
“Pro-housing policies are not just about solving today’s housing crisis; they’re about securing a future for generations to come. By prioritizing affordable housing, we ensure that New Yorkers in need have access to stable homes and the opportunity to thrive,” said Jerrod Delaine, CEO, The Delaine Companies.
“City of Yes is the essential first step in addressing New York City’s housing underproduction. It is a thoughtful, homeowner-friendly community development plan that will not change the character of communities or alter the skyline,” said Alex Armlovich, senior housing policy analyst, Niskanen Center. “The biggest reforms affect the interior of buildings: converting old office towers; providing parking freedom to residents; and allowing more flexible and denser apartment layouts without permitting substantially larger buildings overall. This strategy to allow ‘a little housing in every neighborhood’ will be invisible in any one place, but all added up across the city should permit almost 7,000 more homes per year over the next 15 years.”
“New York City has to build its way out of this housing crisis. City of Yes for Housing Opportunity will cut the time and the cost needed to get new apartments built for New Yorkers,” said David Schwartz, principal and co-founder, Slate Property Group. “I’m excited to see Mayor Adams and the Department of City Planning pushing the envelope so we can build better and faster.”
“Mayor Adam’s visionary City of Yes for Housing Opportunity proposal champions a greener, fairer New York City,” said Dan Kaplan FAIA, senior partner, FXCollaborative Architects. “Through comprehensive and common-sense zoning reforms, it will transform the New York City Zoning Resolution into a tool to realize a more affordable and sustainable future for all New Yorkers.”
“In Downtown Brooklyn, we know first-hand how neighborhoods where people can live, work, learn and play function as vibrant economic engines for New York City, and the City of Yes for Housing Opportunity would pave the way for more mixed-use corridors while also addressing the ongoing housing crisis,” said Regina Myer, president, Downtown Brooklyn Partnership. “It is exciting that these smart zoning updates are moving forward in the public approval process, and we look forward to seeing City of Yes for Housing Opportunity become a reality.”
During National Family Caregivers Month NYSOFA Announces New Offerings for Family Caregivers Using Free NYS Online Support Portal
Highlights include sitewide Spanish language translations, new community chat rooms, mental health content, caregiving for kids with complex needs | |
During National Family Caregivers Month, the New York State Office for the Aging (NYSOFA) today announced several new offerings for subscribers of New York’s Caregiving Portal – a powerful resource that is available free of charge for any person in New York State providing unpaid caregiving supports to a family member or friend. New offerings include sitewide Spanish language translations, community chat rooms, mental health content, and tools to help caregivers of children with complex needs.
There are an estimated 4.1 million caregivers in New York State who provide 2.68 billion hours of unpaid care. Sixty-one percent worry about caring for a loved one and 70 percent reported at least one mental health symptom during the pandemic. The caregiving portal teaches critical skills to reduce caregiver stress levels and increase confidence in one’s caregiving abilities. A 2021 study in the Journal of Alzheimer’s Disease Reports found a high rate of retention and engagement among caregivers who used the Trualta-developed platform to support their care for loved ones with dementia:
NYSOFA Director Greg Olsen said, “New York’s Caregiving Portal is providing even more ways for caregivers to connect with one another, learn evidence-based skills, relieve personal stress, and improve quality of life when navigating the complexities of caregiving for a loved one of any age. Nobody should have to go through the caregiving process alone. New York’s Caregiving Portal provides tools and information to help validate the caregiver experience, connect caregivers with support resources, and build confidence in day-to-day tasks and decision-making to help care for a loved one at home.” Trualta CEO Jonathan Davis said, “We are thrilled to continue our strong partnership with New York and help its diverse population of family caregivers. We are also so excited to help additional family caregivers in the state with our Spanish content, chat rooms, mental health offerings and content about caring for kids. The New York Caregiving Portal is inclusive, accessible and welcoming to all.” AgingNY Executive Director Becky Preve said, “Family caregivers are on the front lines of New York’s caring economy. Our imperative is to arm them with the resources to do this honorable work confidently by providing information about evidence-based best-practices and community supports that are available to help. The New York Caregiving portal, powered by Trualta, is making this possible. I encourage all New York caregivers to explore the benefits of this free resource by enrolling today.” |
NYSOFA and Partners Urge Employer Participation in Working Caregivers Campaign
Campaign includes a survey to assess impacts on individuals balancing work with caregiving, along with a business guide and resources | |
The New York State Office for the Aging (NYSOFA), the New York State Department of Labor (NYSDOL) and partner agencies have launched a Working Caregivers initiative to address the unique stresses experienced by individuals who are balancing work with a caregiving role for family, friends, or neighbors.
|
Emergency Food
Food Help NYC: You can pick up food packages at a food pantry or get a meal at a soup kitchen. Find Food Pantries and Soup Kitchens near you.
Mount Vernon & Westchester Food Resources:
Feeding Westchester Mobile Food Pantry and Fresh Market Schedule (Please note the dates in this schedule are subject to change or cancellation.)
Find food pantries and other meal programs in Westchester County.
Butler Monthly Food Distribution
Our office partners with Butler Memorial United Methodist Church and NY Common Pantry to host regular food distributions every first and third Wednesday monthly at 3920 Paulding Avenue, Bronx, NY 10466 (food pick-up on the corner of 233rd St & Paulding Avenue) from 1pm – 3:30pm, while supplies last. Contact 718-902-6921 for more information.
Food Benefit Programs
You can get help paying for groceries by enrolling in a food assistance program.
SNAP (Food Stamps) helps people with limited income buy food. Benefits are provided on an electronic card that is used like an ATM card and accepted at most grocery stores.
Food for Women, Infants, and Children (WIC) provides pregnant women, mothers, and young children with healthy food and support services for prenatal care, breastfeeding, and nutrition.
Meals for Older Adults
If you are age 60 or older, you can also visit a Senior Center for hot group meals served at the center or, if offered, a grab and go meal or sign up for the Home Delivered Meals for Older Adults program if eligible. If you are a senior that has difficulty preparing meals, you may be able to receive nutritionally balanced home-delivered meals funded by the Department for the Aging (DFTA). Aging Connect is the New York City Department for the Aging’s information and referral contact center for older adults and their families. To reach Aging Connect, call 212-AGING-NYC (212-244-6469) to learn more or to request home delivered meals for a senior or call 311.
Note: If you are living with HIV/AIDS, cancer or other life-altering illnesses, you may be able to receive customized home-delivered meals from God’s Love We Deliver.
Free Monthly Food Packages for Seniors
Nourish offers free, nutritious foods to adults aged 60 years of age and older who have a New York state address and meet financial eligibility requirements. Most seniors who qualify for SNAP will be eligible for Nourish. Once a senior is signed up, they can receive a food package on a monthly basis. Food packages include a variety of foods, such as milk, juice, farina, oats, ready-to-eat cereal, rice, pasta, peanut butter, dry beans, canned meat, poultry or fish, and canned fruits and vegetables. Once each month you or your proxy will pick up your food at a convenient food distribution site. Please call Nourish at 917-982-2564 for more information.
Silver Corps - New Employment Program for Older Adults
Silver Corps is a new workforce development pilot program for older New Yorkers that will increase financial mobility among older adults, combat ageism in the workforce, and fill employment needs in local communities. To become a Silver Corps program participant, New York City residents must be at least 55 years of age, currently unemployed or underemployed, willing to participate in skills training and specialized certification program, and volunteer a minimum of 10 hours per week at a nonprofit or city agency. To learn more about participating in the Silver Corps program, older New Yorkers can call Aging Connect at 212-AGING-NYC (212-244-6469) or email silvercorps@aging.nyc.gov.
Consumer Alert: The NYS Division of Consumer Protection Warns New Yorkers of Text Scams Involving Fake Bank Fraud Alerts
Phishing Scams Work When Someone Poses as a Representative of a Financial Institution to Steal Your Personal and Financial Information
Secretary of State Robert J. Rodriguez says, “Anyone Who Receives Unsolicited Dubious Text Messages Should Delete Them Right Away”
Watch Video Here
The New York State Division of Consumer Protection today warned New Yorkers of a text phishing scheme targeting cell phone users with an attempt to steal their information. Fraudsters are impersonating financial institutions claiming that a customer’s account is compromised ‘due to unusual activity’, but the message is an attempt to deceive the recipient into sharing personal information.
These scams usually work when someone poses as a representative of a bank or financial institution to get information such as your credit card number, bank account number, or social security number. This is known as phishing. The message usually asks the users to confirm their account information, make a payment, or claim a prize. The link may also ask the users to click on the link inside the text, which directs them to a phony site that looks like the financial institution’s website, or it may install malware onto their device. The illicit text message shown below impersonates a bank in an attempt to gain access to personal information. Anyone who receives a fraudulent text message should delete the message right away.
Secretary of State Robert J. Rodriguez said, “With the advances in technology, unscrupulous individuals are becoming more creative in how to steal your personal information which can result in identity theft and serious financial hardship. Anyone who receives unsolicited dubious text messages should delete them right away. The Division of Consumer Protection works tirelessly to make people aware of schemes such as the phishing texts trying to steal your financial and personal information with just a click on a fraudulent link.”
New York State Chief Information Officer Angelo “Tony” Riddick said, “One of the most common online scams is phishing—an attempt to solicit personal information from users by masquerading as a trustworthy entity. The Consumer Alert today warning of text scams involving fake bank fraud informs New Yorkers to remain vigilant by deleting the fraudulent text message immediately. The public should always remember the importance of protecting their personal data from cyber criminals. ITS continues to provide a wide variety of helpful cyber tips for the public, online safety resources and real-time advisories that can help safeguard against cybercrime.”
Superintendent of Financial Services Adrienne A. Harris said, “Phishing scams regularly exploit the trust built between an individual and a financial institution to obtain highly sensitive information, which can be used to steal your identity or your hard-earned money. Cyber threats can take many different forms, targeting both consumers and businesses directly. DFS will continue working with regulated financial institutions to monitor cybersecurity trends and implement best practices to ensure consumer data is safeguarded from malicious actors.”
New York State Police Superintendent Kevin P. Bruen said, “We urge all New Yorkers to take extreme caution if they receive any type of correspondence from a financial institution requesting personal information or that an account has been compromised. Even if a text message or website looks valid, do not provide any information without confirmation. We want to remind people to contact their financial institution first and to check statements regularly to ensure they are not a victim of fraud. The State Police will continue to work with our law enforcement partners to put a stop to these schemes and hold accountable those who prey on innocent people.”
To help protect against phishing or smishing (SMS phishing) scams, the NYS Office of Information Technology Services (ITS) and the Division of Consumer Protection recommend the following precautions:
The things to remember the next time you receive an unsolicited text message from a bank or financial institution:
- Inspect the sender’s information to confirm that the message was generated from a legitimate source, but don’t click on the link or call the number on the text.
- Do not respond to the text. Even writing STOP will let the scammer know your number is genuine, and they may sell your number to other scammers, making the problem worse.
- Remember, banks will never ask you to provide confidential information through text. Requests to do so, as well as poor spelling or grammar, are telltale signs of a scam.
- If you are suspicious, call the alleged bank or financial institution directly to understand the protocols for alerting customers of potential fraud.
- Do Not post sensitive information online. The less information you post, the less data you make available to a cybercriminal for use in developing a potential attack or scams.
- Keep an eye out for misspelled words which are used to bypass a phone carrier’s filter system for fraud.
One simple method for preventing spam texts is to block unknown senders from your cell phone:
- Go to settings on your phone
- Click on messages or block numbers (depending on your phone type)
- Hit “Filter Unknown Senders” or tap on “Block Numbers” (depending on your phone type)
For more information on phishing scams, as well as steps to mitigate a phishing attempt, visit the NYS Office of Information Technology Services Phishing Awareness resources page at https://its.ny.gov/
The New York State Division of Consumer Protection serves to educate, assist and empower the State’s consumers. You may contact The Consumer Assistance Helpline at 1-800-697-1220 on Monday through Friday from 8:30am to 4:30pm, excluding State Holidays. You may also file a consumer complaint any time at https://dos.ny.gov/consumer-
For more consumer protection tips, follow the
NYCHA Releases Climate Adaptation Plans for Addressing Extreme Weather Hazards
The strategic plans informed by NYCHA’s climate resiliency work on developments affected by Hurricane Sandy takes a three-pronged approach to retrofitting buildings against rising sea levels, hotter temperatures, and heavier rainfalls expected in the coming decades
NEW YORK – Today, NYCHA announced the release of three major reports outlining the Authority’s approach to protecting its portfolio of 2,198 buildings against three weather trends expected to more significantly affect the New York City metropolitan region as a result of changing climate hazards. An expanded flood zone from rising sea levels, hotter annual temperatures, and heavier downpours – among other inclement conditions – are increasing the risk to maintaining public housing.
Climate Change at NYCHA; NYCHA’s Urban Forest; and Flood Resilience at NYCHA — distill the lessons learned and institutional knowledge gained from nine years of resilience work repairing and protecting 200 of the most severely damaged buildings affected by Hurricane Sandy in 2012. Over $2.4 billion in funding mostly from the Federal Emergency Management Agency (FEMA) has been invested to better protect NYCHA’s buildings, public grounds, and power equipment from the impacts of future storms.
“As we continue to make the necessary upgrades that will improve the quality of NYCHA housing for our residents, we must also remain focused on protecting our buildings against climate-induced vulnerabilities,” said NYCHA Chair & CEO Greg Russ. “Incorporating resiliency planning in our capital work will enable us to be better prepared for this new reality.”
“NYCHA is working proactively to prepare for extreme weather hazards by analyzing where and how a changing climate will affect NYCHA residents and properties, and by developing strategies to reduce resulting risks,” said NYCHA EVP of Capital Projects Steven Lovci. “We aren’t waiting to meet the massive challenges that will be created by global warming head-on.”
”NYCHA is setting the standard across the country’s real estate industry to proactively plan for climate change. I commend NYCHA’s leadership to prepare New York City’s public housing residents for a hotter and wetter future,“ said Jainey Bavishi, Director of the Mayor’s Office of Climate Resiliency. “The reports released today exemplify the City’s approach to climate resiliency by centering climate justice, considering the multiple threats posed by climate change, and focusing on people, buildings and campuses to create multiple layers of resiliency.”
“Safe, affordable housing is essential for the health of all New Yorkers, especially as we face more extreme weather due to climate change,” said Health Commissioner Dr. Dave A. Chokshi. “Structural racism is at the root of decades of disinvestment in public housing, making NYCHA home to more Black and Latinx New Yorkers than any other housing type. These plans will not only further climate justice, but also contribute to our City’s efforts to end racism as a public health crisis.”
The design of our built environment is first and foremost concerned with the protection of the health, safety, and welfare of the public. The American Institute of Architects and its state and local components believe access to safe, affordable, sustainable, and resilient housing is a fundamental right, and the three comprehensive reports developed by NYCHA and its stakeholders honor the commitment to those values,” said Illya Azaroff, President of the New York State Chapter for the American Insitute of Architects. “As president of AIA New York State, and as a past co-chair of the AIA New York Committee on Risk and Reconstruction, I extend my thanks and gratitude to NYCHA’s staff and leadership, and commend them on their proactive approach to collaborating with the design community on these reports. We must continue to work together as a collective to advocate for transformational investments in our physical and social infrastructure to improve the lives of all New Yorkers and safeguard life and property in the face of global climate change.”
Resiliency planning is central to the strategies outlined in the Climate Change at NYCHA Plan. If current projections hold, more than one-third of NYCHA buildings will be located within the city’s floodplain by 2100. To combat this challenge, the Authority will look to house vital mechanical, electrical, and plumbing equipment in raised annexes, and install additional backup generators to ensure that power at NYCHA campuses is protected.
The report outlines a two-pronged approach for addressing higher annual temperatures: increasing NYCHA’s tree canopy cover and other passive cooling strategies and expanding access to reliable indoor cooling systems. NYCHA is the second-largest owner of greenspace in New York City, which has shown a demonstrable effect on cooling campuses during the summer months. As such, a plan is underway to both increase the amount of tree plantings at campuses with less tree cover and elevate tree care throughout campuses. Inside apartments, the Authority is working toward expanding access to cooling. NYCHA has piloted a variety of technologies with the goal of integrating reliable cooling into planned retrofits of heating systems.
The arrival of Tropical Storm Ida this past August highlighted the challenges posed by heavier rainfall , with several NYCHA campuses in Queens and the Bronx experiencing significant impacts. By 2050, experts predict that intense rainstorms that would have occurred every 50 years will happen every five years. NYCHA’s strategy for adapting to heavier and more frequent rain is centered on shoring up the Authority’s existing stormwater management systems while investing in green infrastructure to better absorb heavy rainfall.
Common features of stormwater management systems include porous materials, which let rainwater penetrate through concrete, pavers, or other materials and seep into the ground rather than running off; and resilient plantings such as native grasses that do not need to be mowed and increase the amount of water that soils can absorb. The Authority is also in the process of developing several multi-functional infrastructure demonstration projects, such as a sunken basketball court at South Jamaica Houses and a sunken water square at Clinton Houses to offer the added benefit of increasing sub-surface water retention while serving as a public amenity.
In addition to preparing for additional weather hazards exacerbated by climate change, such as rising groundwater and extreme winds, the Climate Change at NYCHA report also highlights the concept of “Social Resilience,” which refers to the ability of a community to reasonably recover from inclement weather challenges. For example, research on social resilience has shown that strong community connections can actually reduce heat-related deaths, because those who know their neighbors and have safe, comfortable places to go are more likely to leave hot apartments during extreme heat or reach out to neighbors for help.
Key goals of NYCHA’s social resiliency planning include continuing to work with a Climate Action Network composed of residents who give input on NYCHA’s resilience and sustainability initiatives, as well as retrofitting community spaces to serve as resiliency hubs during a time of emergency.
Recently, the newly opened event space, Morris Park Performing Arts Center at Jacobi (Jacobi Hospital’s Bldg. 4 auditorium) hosted an amazing event for its community and partners.
NIDC excitedly co-sponsored a viewing of the Polar Express with Assemblywoman Nathalia Fernandez in partnership with the Morris Park Community Association.
Conductors invited our families aboard the Polar Express experience with a hot cup of chocolate, their preferred toppings and cookies provided by NIDC’s very own elves and chefs.
The event took place on Saturday, December 17, 2022.
NIDC thanks Santa for carving time from his busy schedule, Assemblywoman Nathalia Fernandez and the Morris Park Association for their partnership. Keep an eye on our website (www.nidcny.org) for more NIDC events.
“It was great to gather as a community during the holiday season to enjoy the movie and warmed hot cocoa. It was the first time in a long time that the season felt so festive. We were so happy to see families enjoy themselves. We even had a great turnout with elected officials. It makes me look forward to the other NIDC events to come in 2023!” – Toni Faiella-Salas, Director for Elementary Programs at NIDC.
NIDC’s mission is to prepare youth for a successful future and help build thriving communities. Their youth development services include after school programs for students in grades K – 12, summer camp, nightly teen center, and support for Out-of-School Youth. They also support the community through benefits access support, financial literacy programming, landlord/tenant mediation, eviction prevention, vaccine education, mental health awareness, support community groups, and other community development activities and resources..
For additional information and for upcoming events please contact: Amy Shebar, Associate Executive Director, via hello@nidcny.org. Upcoming community events can be found at http://nidcny.org/
Recent Reporting on COVID Supply Auctions Included Significant Inaccuracies, Lacked Context
Auctions Featured Non-Medical Grade Items Purchased for 80% Less than Reported
NEW YORK – The NYC Department of Citywide Administrative Services (DCAS) today issued the following statement on inaccurate reporting by news outlet The City on the City of New York’s auctions of surplus non-medical grade supplies originally purchased for COVID-19 response efforts.
“Recent reporting indicated that $224.5 million worth of COVID supplies were auctioned by the city for pennies on the dollar. After a thorough review, we determined these numbers were inaccurately calculated by a reporter who refused to wait for a proper calculation by DCAS. After the analysis was completed, we took this information to the reporter who refused to make changes to his story. In reality, the items sold at auction were non-medical grade and many items up for auction were nearing expiration dates. To be clear, this distorted reporting did a disservice to the facts and the dedicated public servants who succeeded in obtaining emergency supplies amidst a once-in-a-century pandemic.” – Nick Benson, DCAS Executive Director of Communications and Public Affairs
The Facts:
- The items sold at auction were originally purchased for $42,421,625, just 18.9% of the $224,504,000 figure the reporter inaccurately claimed.
- The items sold at auction were non-medical grade. When medical-grade supplies were difficult to come by amidst collapsing supply chains in early 2020, some non-medical grade supplies were purchased as a stop-gap measure and held in reserves as supply chain issues resolved.
- The New York City Department of Health & Mental Hygiene, NYC Health + Hospitals, and others advised that these non-medical grade supplies are no longer needed with medical-grade supplies now widely available.
· Some of the items up for auction were nearing expiration dates and the only alternative to donating or auctioning items was to destroy them. Over 17 million items were previously donated to Ukraine, Indonesia, Ghana, Haiti, South Africa, and more than two dozen local community-based organizations/non-profits to support others in need and avoid waste. Some items that haven’t been donated have been placed for auction to recover as much revenue as possible for taxpayers. Because the global COVID supply market is flooded with
excess supplies being sold by governments all over the world, sale prices are a fraction of what governments had to pay at the beginning of the pandemic amidst extremely limited supplies and failed leadership at the federal level.
· If the City opted not to donate or auction non-expiring items, it would have to pay to warehouse non-medical grade items that medical professionals advised are no longer needed.
About the NYC Department of Citywide Administrative Services
The NYC Department of Citywide Administrative Services (DCAS) makes city government work for all New Yorkers. Our commitment to equity, effectiveness, and sustainability guides our work providing City agencies with the resources and support needed to succeed, including:
- Recruiting, hiring, and training City employees.
- Managing 55 public buildings.
- Acquiring, selling, and leasing City property.
- Purchasing over $1 billion in goods and services for City agencies.
- Overseeing the greenest municipal vehicle fleet in the country.
- Leading the City’s efforts to reduce carbon emissions from government operations.
Learn more about DCAS by visiting nyc.gov/dcas and by following us on Twitter, Instagram, TikTok, Facebook, LinkedIn, and listening to the Inside Citywide podcast
ADMINISTRATION FOR CHILDREN’S SERVICES RECOGNIZES SEPTEMBER AS ‘NATIONAL KINSHIP CARE MONTH’ RECOGNIZING THE RELATIVES & FRIENDS WHO HAVE STEPPED FORWARD TO CARE FOR NYC CHILDREN IN FOSTER CARE
As the City Foster Care Population Continues to Decline, the Proportion of Those Being Cared For By Relatives & Friends Continues to Grow
Approximately 44 Percent of Youth in NYC Foster Care Are Being Cared for By People They Already Know
NEW YORK– The New York City Administration for Children’s Services (ACS) today recognized “Kinship Care Awareness Month” by spotlighting the city’s grandparents, aunts, uncles, and other relatives and close friends who have stepped up to become kinship caregivers to children in foster care. ACS has dramatically reduced the number of children in New York City’s foster care system while increasing the proportion of youth in care placed with kinship caregivers. Research shows that, when placed with people they already know, children in foster care experience less trauma, and have greater overall well-being.
“Kinship caregivers are the aunts, uncles, grandparents, and countless others who continue to step up and care for children in need,” said Deputy Mayor of Health and Human Services Anne Williams-Isom. “Today we say thank you. ACS is working hard to ensure these New Yorkers are recognized for their commitment to the health and stability of New York City’s children and families.”
“September provides us with an opportunity to recognize the crucial role kinship caregivers, like grandparents, aunts, uncles and close family friends play in providing stable and loving homes for children, but we are grateful to them all year long,” said ACS Commissioner Jess Dannhauser. “I’m proud of the work ACS has done to reduce the number of children in New York City’s foster care system while increasing the proportion of youth in care placed with kinship caregivers.”
As a result of ACS’s targeted strategies and initiatives, 44 percent of children in New York City’s foster care system are living with kinship caregivers – up from 31% in 2018. Moreover, during FY23, more than half of all the children who entered foster care as a result of a child protective investigation were placed with kinship caregivers.
The agency has successfully implemented multiple strategies to increase the proportion of children in care placed with kin, including by establishing Kinship Specialist positions within the ACS Division of Child Protection, who focus on finding and engaging kin caregivers for children entering foster care. When a kinship resource is identified, the foster care case planner works with the resource to certify their home as a foster home. Kin are held to the same safety standards and training expectations as non-kin foster parents and must meet all foster home requirements. They receive the same financial resources and other supports that non-kinship foster parents receive. ACS and its community partners strive to support kin so that children can stay closely connected to their natural support networks.
NEW STUDY FROM NYC ADMINISTRATION FOR CHILDREN’S SERVICES SHOWS HOW “PARENT ADVOCACY INITIATIVE” HAS IMPROVED OUTCOMES FOR CHILDREN AND FAMILIES
When Parent Advocates with Lived Experience in the Child Welfare System Supported Parents in Child Safety Conferences, ACS Saw Improvements in Well-being Outcomes for Children
NEW YORK, NY – Today, the NYC Administration for Children’s Services (ACS) announced key findings from a new study that suggests that the Parent Advocacy Initiative in initial child safety conferences is helping to improve outcomes for children and families. Utilizing this research, ACS has released a concept paper to seek feedback in preparation for the upcoming Parent Advocate Request for Proposals (RFP) to operate Parent Advocacy programs. The concept paper lays out a vision to build on the current model and scale enhancements that were found to improve outcomes, including expanded Parent Advocate involvement and support, family-driven service plans, and strengthened linkages between Parent Advocates in different ACS program areas.
The Parent Advocacy Initiative is a peer support program in which parents with prior experience in the child welfare system offer advocacy and support to parents currently involved in the child welfare system. In New York City, Parent Advocates participate in Initial Child Safety Conferences, meetings in which family members and child protective specialists (CPS) at ACS discuss safety concerns in the home and identify the best safety plan for the child. The recently published study revealed that, with the Parent Advocacy Initiative in place, ACS saw a significant increase in the conference attendance by parents in comparison with the past; a reduction in child removals; and an increased use of kinship care for children who had to be removed due to safety concerns.
“We are excited by the results of this new study, which reinforce our belief that having Parent Advocates providing support to parents as we work to assure child safety can be of significant benefit to children and families. Parent Advocates have walked in the shoes of those currently involved in the child welfare system, and their lived experience can help empower and better engage parents during one of the most challenging times of their lives. We will continue to elevate the voices of parents and incorporate Parent Advocates into all parts of our agency, because we are confident that it will result in better outcomes for children and families in New York City,” said ACS Commissioner David A. Hansell.
“Parent Advocates possess a unique ability to understand the perspectives of parents and offer supports, promote family engagement in case decision-making, and encourage participation in services. Parent advocacy and support programs have been gaining attention in child welfare, and the growing body of empirical evidence on such programs have demonstrated that the inclusion of a Parent Advocate enhances the family-centered practice and has the potential to improve outcomes for children and families while giving voice to parents and communities most impacted by the system,” said Dr. Marina Lalayants of the Silberman School of Social Work, Hunter College, The City University of New York.
“Parent Advocates are not only trained in child welfare policy, but they have previous experience navigating the child welfare system, and so the support and expertise they offer to the families we work with is invaluable. As this study suggests, the Parent Advocacy Initiative is having a positive impact on children and families and truly represents a culture shift within the New York City child welfare system. I look forward to its continued success,” said Sabra Jackson, Parent Engagement Specialist at ACS.
The Parent Advocacy Initiative in Initial Child Safety Conferences is a type of peer/parent support program that became operational in New York City in December 2013. ACS works with non-profit organizations to recruit, train and employ these parent advocates across all boroughs.
Parent Advocates offer services such as support to parents in preparation for and during the child safety conference by helping them to be informed about their rights and responsibilities within the child welfare system, gain awareness of the child welfare concerns and understand and navigate the child welfare system. This initiative builds upon the work happening at ACS to address racial disproportionality across the child welfare system. ACS has prioritized initiatives that help strengthen parents’ voice and success and is currently implementing its Equity Action Plan, which is designed to address racial disparities across the child welfare system.
A recently published study in the Children and Youth Services Review titled, “Outcomes of the Parent Advocacy Initiative in Child Safety Conferences: Placement and Repeat Maltreatment,” examined the impact of the child safety conferences on case outcomes of families served by parent advocates. Specifically, the study researched cases receiving Parent Advocate intervention over a period of the 2016 calendar year and compared it to pre-intervention cases from the 2013 calendar year and cases from the 2016 calendar year that did not receive the parent advocate intervention. The study results revealed a significant increase in the conference attendance by parents in comparison with the past. Furthermore, the results of the study revealed that the Parent Advocacy Initiative contributed to the reduction of child removals, as a result, more children remained at home with parents. For children who had to be removed due to safety concerns, the study results also showed an increased use of kinship care, or children being placed with relatives and close friends as opposed to non-relative foster parents. Finally, the rates of indicated repeat maltreatment remained unchanged, suggesting that the initiative did not result in compromised child safety.
The Parent Advocate Initiative at Initial Child Safety Conferences builds on the agency’s continued work to incorporate Parent Advocates into decision making processes across the child welfare system. Last year, ACS announced the “Parents Supporting Parents” initiative which provides Parent Advocates to support, inform and mentor parents with children currently in foster care. ACS aims to scale this approach across the foster care system so that every parent with a goal of reunifying with their child has an assigned parent advocate, in order to increase safe and timely reunification of families with children in foster care. ACS will continue to identify new ways to incorporate Parent Advocates across all of its programs.
The Community Flood Action Toolkit is a new resource from the team at FloodHelpNY. This toolkit provides high-level information about flood insurance and retrofits.
The toolkit is available in English, Spanish, Simplified Chinese, Russian, and Haitian Creole.
Link to toolkit and more information: Flood Risk Is Rising | News and Info on Flooding | FloodHelpNY.org
Social Security Matters by Russell Gloor, National Social Security Advisor at the AMAC Foundation, the non-profit arm of the Association of Mature American Citizens
Ask Rusty
Can my Wife Claim Her SS Now and Get Half my SS Benefit Later?
Dear Rusty: My wife will reach her full Social Security benefit at 66.5 years of age which is just under 2 years away for her now. If she were to begin to get her monthly check now (i.e. early), would that prevent her from being eligible for the spousal benefit to receive half of what I am currently drawing? Signed: Curious Husband
Dear Curious: If your wife claims her own SS retirement benefit now (e.g., at 64.5 years), and you are already collecting your own SS benefit, then she will be automatically deemed to be filing for her spousal benefit immediately when she claims her own benefit (she does not have the option to defer claiming her spousal benefit until later). This is a change made by the Bipartisan Budget Act of 2015, which requires all those first claiming SS to file for ALL benefits they are eligible for when they claim. What that would mean is that your wife’s benefit now, including her spousal boost from you, would be actuarially reduced by the number of months early she claimed. Her own SS retirement benefit would be permanently reduced by about 15%, and her “spousal boost” (the additional amount she would get as your spouse) would be reduced by about 19%, yielding a combined benefit which is roughly 42% of your full retirement age (FRA) SS benefit.
The only way your wife can get half (50%) of your FRA benefit entitlement is by waiting until her own full retirement age (66 years and 10 months) to claim. Note too that your wife’s spousal benefit will be based on your FRA entitlement, so if you claimed earlier or later than your own full retirement age, her spousal benefit will still be based on your FRA entitlement.
Also, your wife should be aware that anyone who claims early is subject to Social Security’s “earnings test,” which limits how much can be earned while collecting early benefits. Thus, if your wife is working, she will be restricted on how much she can earn before Social Security takes away some of her benefits. FYI, the earnings limit changes annually, but for 2025 it is $23,420 and, if that is exceeded, SS will take away $1 in benefits for every $2 over the limit. And, FYI, the earnings limit goes up a lot during the year FRA is attained, and the earnings test no longer applies once full retirement age is reached.
I hope this answers your question, but if you have need additional information, please feel free to contact us directly at SSAdvisor@amacfoundation.org, or call us at 1.888.750.2622.
Have I Saved Social Security Money by Claiming at 62?
Dear Rusty: I had to start collecting Social Security at 62, and I am 75 now. I believe that in the last 13 years I have saved Social Security money, so I do not know why I cannot draw my full benefits now.
If I had started drawing at 65 at $1,200 per month, then I would have drawn $16,400 per year. Instead, I got $680 per month from 62 to 75, or $8,160 per year, or about $106,000 over 13 years. Compare that to the age 65 amount of $14,400 per year for 10 years, which is $144,000. So, by claiming at 62, at age 75 I have saved the government over $38,000. It would make seniors lives so much easier if they could draw full Social Security at 75 years old, after getting only part of their SS. Signed: Second-guessing
Dear Second-guessing: The difference between benefits claimed at various ages causes many to reflect, as you have done, about what might have been had you waited longer to claim. But there is an error in your calculations. If your age 62 monthly benefit is $680, your age 65 monthly benefit would have been about $845, not $1,200. Thus, at 75 you would have collected about $101,400 by claiming at 65, vs. the $106,000 you have received by claiming at age 62. In other words, you still would not have broken even had you claimed at age 65.
Social Security says that it doesn’t matter when you claim – they say that if you claim early your payments will be less, but you’ll get more of them. Where SSA’s argument falls apart is when life expectancy is longer. Our experience is that if you wait until your full retirement age (FRA) to claim (which is age 66 in your case), vs. claiming at age 62, you will collect the same amount of total money at about age 78. In other words, the “breakeven age” for waiting until FRA to claim is about 78. So, you will reach your personal “breakeven age” in about 2 ½ years (at age 78). And this is precisely why we encourage everyone to understand their life expectancy when deciding when to claim Social Security – those who expect to live longer will, indeed, get more SS money if they delay claiming.
Your benefit is determined by your age when you claim, and if you claim before your FRA your monthly amount is permanently reduced. If you claimed at age 62 and your monthly amount was $680, then in the four years until you reached age 66 (your FRA) you would have received about $32,640. If you had, instead, waited until your FRA to claim, your benefit at age 66 would have been about $906/month. Collecting $906/month (at 66) vs. $680/month (at 62) would make your breakeven age about 78. If you claimed at age 65 instead of 62, your breakeven age would have been about a year earlier (77).
So, have you saved Social Security money? Up to this point, you have not. Since you claimed at age 62, you have collected about $680/month for 13 years until you were 75 (or about $106,000). If you had waited until age 65 to claim you would have, instead, collected about $101,400 – in other words you have received more, so far, by claiming at age 62. But that will change when you reach 77 (your breakeven age, had you claimed at 65). Starting at age 77, you will have received less in cumulative lifetime benefits because you claimed at age 62. Which, again, is why – at the AMAC Foundation’s Social Security Advisory Service – we encourage everyone to consider life expectancy when deciding when to take Social Security. Of course there are other factors too, not the least of which is financial need, but life expectancy is key. And since the benefit you get when you claim is permanent (except for annual Cost of Living Adjustments), deciding when to claim Social Security is a decision which affects a lifetime.
About How Medicare Premiums Are Determined
Dear Rusty: Please explain the Medicare premium increase based on income reported to Social Security? For those of us that waited to draw Social Security until age 70, and who are still working – drawing a salary, and planning to retire at age 75 after RMDs kick in at age 73 – how do we make sure that Social Security reports our earnings accurately, so we don’t wind up with increased Medicare premiums? Why not charge increased Medicare premiums when we are younger, instead of waiting to sneak up on us when we are older? Signed: Confused about Medicare Premiums
Dear Confused: I believe you are referring to Medicare’s “Income-Related Monthly Adjustment Amount,” or “IRMAA.” IRMAA increases the Medicare Part B (and Part D) premium amounts for those whose combined income from all sources exceeds specified levels for their IRS tax filing status. Social Security (and Medicare) get your earnings information from the IRS and use your reported IRS income (on your income tax return) to calculate your Medicare premium each year. But there is a twist – they use your reported combined income (also known as your “MAGI” or “Modified Adjusted Gross Income”) from 2 years ago to determine your current year’s Medicare premium. For example, they will use your 2023 MAGI to determine your 2025 Medicare Part B premium (and your Part D premium if you have Part D). So, if your income reported to the IRS on your tax return in 2023 is correct, Social Security will use that amount to determine next year’s Medicare premium.
IRMAA uses a sliding income scale to determine your Medicare premium. If you filed your 2022 taxes as “married/jointly” and your combined income for that year was $206,000 or less, for 2024 you are paying the standard Medicare Part B premium of $174.50, and there is no additional amount added to your Part D premium. But if your MAGI as a married couple was over $206,000 your Medicare premiums will be more – e.g., MAGI up to $258,000 makes your Part B premium $244.60 and results in a Part D supplement of $12.90 per month. And so on – as your MAGI further increases, so will your Medicare premiums until you reach the maximum. MAGI over $750,000 means a Part B premium of $594/month and a Part D supplement of $81/month. Thus, Medicare premiums are “means-tested” (those with higher income pay higher premiums).
A word about “MAGI” – MAGI starts with your Adjusted Gross Income on your tax return, to which is added any non-taxable interest you may have had, and 50% of the Social Security benefits (if any) you received during the income tax year. The total of those three amounts is your MAGI, from which your Medicare premium is determined for the forthcoming year.
So, if your 2023 combined income (your “MAGI”) as a couple was under $206,000 you will pay the standard 2025 Medicare premium which, for Part B, will be $185/month. If your 2023 MAGI as a married couple is more than $206,000, you will pay higher Medicare premiums in 2025 due to IRMAA.
Why not pay higher Medicare premiums when we are younger? Well, that’s because IRMAA only applies when you are enrolled in Medicare, and your premium relates to your income while receiving Medicare benefits.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/
Was Your IRMAA Article Incorrect?
Dear Rusty: In a recent article about Medicare’s “Income-Related Monthly Adjustment Amount” (IRMAA) and how IRMAA affects Social Security taxes, you described which income gets included in the IRMAA calculation. You said it is “your combined income from all sources, including 50 % of the SS benefits you receive.” That 50% number might be true in some cases, but I think a more accurate, general answer is that “your taxable SS benefit is what gets added to IRMAA.” For example, we have enough income every year that we are always taxed at 85% of our SS benefit, so 85% of our SS values get added to our IRMAA. The way your answer reads, a reader of the article might think everyone has 50% of their SS benefit added to IRMAA. Signed: IRMAA Victim
Dear IRMAA Victim: I think you may have confused two terms I used when describing Medicare’s “Income-Related Monthly Adjustment Amount” or “IRMAA.” I also used the term “MAGI” (Modified Adjusted Gross Income), and it’s important to distinguish between those two terms.
· MAGI is what determines if the IRMAA provision applies, and IRMAA will affect how much your Medicare premium is. But MAGI is also used for another purpose – to see if your SS benefits are taxable. Your MAGI consists of your Adjusted Gross Income (AGI) from your income tax return, plus any non-taxable interest you may have had, plus 50% of the SS benefits you received during the tax year
· IRMAA is a factor which will increase your monthly Medicare premium if your MAGI is over certain thresholds for your tax filing status. MAGI is used to determine if a higher Medicare premium applies, and it is also used to see if your SS benefits are subject to income tax.
Your MAGI does, indeed, always use only 50% of the SS benefits you received during the tax year (not 85% in some cases). That’s because the SS contributions included in MAGI relate to SS contributions your employer paid on your behalf. Only half of your received SS benefits are used to determine MAGI because that’s the amount of your SS benefits attributable to your employer’s contributions. Said another way, the SS payroll tax you personally paid while working was from your taxable income, so it is not included in MAGI. But the amount your employer contributed was not taxable by the IRS and, thus, is included in MAGI. So, it’s the portion of your SS benefits attributable to your employer which is included in MAGI. Thus, the terminology that MAGI is “your combined income from all sources, including 50% of the SS benefits you received during the tax year” is correct. MAGI is what determines how much of your SS benefits are taxable, but your MAGI also determines if IRMAA applies to your Medicare premiums.
Your benefits are taxable if, as a married couple filing jointly, your total MAGI exceeds $32,000. If your MAGI is over the first threshold but less than the 2nd threshold ($44,000 for married filers) then 50% of the SS benefits you received during the tax year are included as part of your income taxable by the IRS. But if your MAGI goes over the 2nd threshold ($44,000 for married filers) then up to 85% of the SS benefits you received during the tax year will be included as part of your income taxable by the IRS.
In short, MAGI determines how much of your income is subject to taxation. But MAGI is also used to determine if IRMAA applies. And how much your MAGI exceeds the separate IRMAA thresholds determines what your Medicare premium will be.
So, the article correctly states that IRMAA only counts 50% of the SS benefits received because that is what is included in MAGI (which is what determines if IRMAA applies). But the amount of SS which may be taxable income by the IRS could be up to 85% of benefits received during the tax year if your MAGI is high enough.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/
Am I entitled to more Social Security from my Ex-husbands?
Dear Rusty: I am 76 years old and a retired high school counselor/teacher. I was married to my first husband from 1968 until 1981. He is still living, and he remarried two more times and, I believe, he is currently divorced. He is 77 years old. His income was always much higher than mine. I was married to my second husband from May 1989 until we divorced in April 2017. My second husband died in June 2023. What I wonder is if I am entitled to receive Social Security benefits based upon the income of either of my ex-husbands? Signed: Twice Divorced Spouse
Dear Twice Divorced: Divorced spouses are entitled to the same benefits as a current spouse if their marriage lasted at least 10 years which, in both cases, yours did. The other caveat is whether your own SS retirement benefit is less than you are entitled to from either of your ex-husbands. If your own SS retirement benefit is less, then you will get an incremental amount on top of your own SS retirement to bring your total monthly benefit up to your spousal (or surviving spouse) entitlement.
Since your first husband is still living, it is likely that your best financial option is to claim a surviving ex-spouse benefit from your deceased 2nd husband. The reason is that survivor benefits from husband #2 are based on his actual benefit at his death, whereas benefits from a living ex-spouse (husband #1) are based upon his full retirement amount. In other words, it is likely that 100% of deceased husband #2’s benefit at his death is more than 50% of living husband #1’s current benefit at his full retirement age (FRA).
It is, of course, possible that 50% of your first husband’s FRA entitlement is more than 100% of your second husband’s benefit at death, in which case your ex-spouse benefit from your first husband could be more. The only way to sort this out is to contact Social Security (1.800-772-1213) to make an appointment to apply for surviving ex-spouse benefits from your deceased second husband. Explain that your first ex-husband is still living, and that you are unsure of what your benefits are as your first husband’s ex-spouse. Social Security will be able to determine from their records which one provides you with a higher benefit amount (provide each husband’s Social Security number when you call). As I said, your best financial option will likely be to take your survivor benefit from your deceased second ex-husband (note, however, if your first ex-husband also dies before you, you can subsequently file for a survivor benefit from him, if that is more than you are getting from your second husband’s record).
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/
When Should My Wife Claim Social Security Benefits?
Dear Rusty: I turned 64 in July and my wife turned 62 in August. My wife has not worked for approximately 15 years but does qualify for Social Security on her prior work record. My wife is having some physical issues and would like to not return to work. Since she is eligible to collect Social Security, that would be an option to provide additional income, so she doesn’t have to work. My question is how would it affect her future SS spousal benefits based on my record if she begins collecting her own benefit now? I plan to work until at least my full retirement age (67), and maybe longer, but plan to start collecting SS at 67 even I continue working. Signed: Working Husband
Dear Working: If your wife has the required 40 SS quarter credits, she is eligible to collect reduced retirement benefits at 62 (for that needed extra income), but her age 62 benefit will be about 70% of what it would be if she waited until her SS full retirement age (FRA) to claim. That reduction would, in turn, carry over to her spousal benefit when you eventually claim your SS benefit. Here’s why:
Your wife’s spousal amount when you claim will be a combination of her own SS retirement benefit, plus an auxiliary amount (a “spousal boost”) that she is entitled to as your spouse. At age 62, her own benefit will be cut by 30% and she can collect that reduced amount until you claim, at which point her spousal boost will be added to make her benefit equal her spousal entitlement. So, her total benefit as your spouse (when you claim) will consist of her reduced age-62 amount, plus an additional amount as your spouse.
If you claim at 67, your wife will be about 2 years short of her own FRA, which means that her spousal boost amount will also be reduced for early claiming. That reduced spousal boost will be added to her already reduced (age 62) SS retirement benefit, which will make her total benefit less than 50% of your FRA benefit amount.
So, your wife claiming her own reduced SS retirement benefit at 62 also means her spousal benefit amount will be affected, and taking her spousal boost before her FRA means that the boost amount will also be reduced for early claiming. The only way your wife can get the full 50% of your FRA entitlement is to wait until she reaches her own FRA (67) to claim Social Security benefits.
Having said all of that, if your wife’s physical issues suggest that she claims her benefits early and she is comfortable with the smaller benefit she will get, then that may be the right choice. For reference, the reduction to your wife’s spousal boost amount (if you claim at your FRA) will be about 17%, and that reduced spousal boost will be added to her reduced age 62 SS retirement amount. The end benefit for your wife (if you claim at age 67) will likely be about 42% of your FRA entitlement (instead of 50%).
FYI, you can further delay your own SS retirement benefit (up to age 70) for a higher benefit yourself, but that would also mean your wife would need to wait longer to get her spousal boost. You could also wait to claim your SS until your wife reaches age 67 (her FRA), which would give you a higher personal amount and also ensure your wife gets her maximum spousal boost (but her total will still be less than 50% of yours because she claimed her own SS retirement benefit at 62). When to claim Social Security depends on financial need and life expectancy. If a long life expectancy is anticipated, waiting longer to claim is often the best move. But financial need always trumps waiting longer.
Working Septuagenarian Asks About Disability Benefits
Dear Rusty: I retired at my full retirement age, am now 79 and will be 80 in December. I have been working consistently since. I get a meager Social Security benefit, only about $800 due to my federal retirement offset. Most jobs I have held since filing and collecting SS have involved very labor-intensive work, to include my current position. This has taken a toll.
My question: is there any provision in Social Security that permits re-evaluation of Social Security benefits for disability after one has collected and paid into the system for some 15 years? I suspect not but thought I would ask, since at my not so tender age, I am faced with having to cease employment that generates needed income. Signed: Working Still at 79
Dear Still Working: I’m afraid that Social Security Disability Insurance (SSDI) benefits are no longer available once you reach your SS “full retirement age,” or “FRA,” which for you was age 66. Indeed, anyone collecting SSDI at full retirement age is automatically converted to their regular SS retirement benefits at the same amount they were previously receiving on SSDI. That’s because SSDI benefits are intended to sustain workers up to their SS full retirement age, but SSDI goes away once FRA is attained.
Thus, the provision to apply for SS disability allows only those who have not yet reached their full retirement age to seek disability benefits. Once FRA is reached, SSDI benefits are no longer available. Simply for your awareness, there would be no financial advantage for you to receive SS disability benefits anyway, because the most you can get on SSDI is your full retirement age amount. Thus, since you retired and claimed SS at your full retirement age, no additional disability amount would be available anyway.
FYI, I admire, at your “tender age,” that you are still actively working, but I’m afraid you cannot claim more now on Social Security disability because you’ve already reached your FRA. However, from what you’ve written, your SS retirement benefit has been affected by the so-called Windfall Elimination Provision (WEP) which affects those with a separate pension earned without contributing to Social Security.
If you’ve been separately working (and contributing to Social Security) since you left government service, and you now have more than 20 years contributing to SS from other non-government “substantial earnings,” it’s possible that you can request a reevaluation of your WEP penalty. WEP provides relief for those who have more than 20 years contributing to Social Security. So, if you have more than that over your lifetime, you could ask that your WEP reduction be reevaluated to consider your additional years contributing to Social Security. If that is the case, your monthly amount would be increased to consider those additional years contributing to SS since you first claimed.
I suggest, if you now have more than 20 years of contributions to Social Security from your non-government work over your lifetime, that you call Social Security to request reevaluation of your WEP retirement amount. FYI, you can see exactly how many years of SS-covered work you have by requesting an “Earnings Statement” from Social Security. You can get this Statement by calling 1.800.772.1213, or you can also get it at your personal “my Social Security” online account at www.ssa.gov/myaccount (Social Security will also be able to tell you this directly when you call). In any case, I wish you good fortune, and hope that reevaluating the WEP reduction to your SS benefit may offer some small financial relief as you go forward.
Why Does the Government Raid Social Security?
Dear Rusty: The Social Security program is funded by employees and their employers. The federal government does not contribute to the program, right? So why does the federal government feel they have the right to raid the fund? All the money sent to Ukraine and other unnecessary programs could have been used to pay back what they owe to Social Security. Signed: Disgruntled Senior
Dear Disgruntled Senior: You are correct that the Social Security program is mainly funded by payroll taxes on employee earnings and by employers who match those employee contributions. FYI, some additional SS revenue is received from income tax on Social Security benefits, as well as from interest on the special issue government bonds held in the Social Security Trust Fund. But the assertion that the Federal Government used (raided) the Social Security Trust Fund for any other purpose is a myth. All Social Security revenue received since the program began in 1937 has been accounted for, and all excess funds are contained in a special Trust Fund in the form of interest-bearing government bonds, reserved to pay future benefits. FYI, the interest on those bonds contributed about $67 billion to the Trust Fund reserves in 2023.
Social Security revenue, today, is not adequate to pay all benefit obligations, and the extra money needed to pay full SS benefits for everyone is obtained by redeeming Trust Fund reserves. Redemption of those Trust Fund bonds is how the federal government “pays back” the cash loaned to it by Social Security. The excess SS money received from contributions was loaned to the Federal Treasury by the SS Trust Funds, interest-bearing bonds were issued by the government in return for the cash received, and the bonds issued are redeemable as needed by Social Security to pay benefits. FYI, the average interest on the 2023 bonds in the Trust Funds was about 4.125%, whereas the average rate of return on all bonds held in reserve was about 2.387%. This transaction is the same as for any other investment vehicle, except the bonds in the Trust Funds are redeemable at any time without penalty. Said another way, all excess money ever received by Social Security is/was invested in special-issue government bonds, and resides in reserve to pay future benefits, as needed.
“Paying back” the money represented by bonds held in the Trust Funds would not be a wise financial move because it would eliminate all future interest earned by those bonds (again, that interest was about $67 billion in 2023). Federal money spent for other purposes (e.g., Ukraine) is from the general U.S. Treasury and not from the Social Security Trust Fund, which is held totally separate from the U.S. Treasury. Since inception, all money ever contributed to Social Security has been (and is) used for one purpose (and one purpose only) – to pay Social Security benefits to those eligible (which, by the way, does not include “illegal aliens” or anyone else who is not a legal resident of the United States).
For clarity, Social Security does have a future financial issue because annual benefit obligations are now greater than annual Social Security revenue, and money from the SS Trust Fund is now used to make up the difference. Unless the program is reformed soon, the Trust Fund reserves (about $2.8 trillion as of 2023) will be depleted and benefits for all Social Security recipients will be cut by about 23% starting in 2033 or 2034 (according to the Trustees of Social Security and the Congressional Budget Office).
Congress needs to act soon to enact Social Security reform to restore the program to fiscal solvency. The Association of Mature American Citizens (AMAC) is steadfastly lobbying Congress to enact the needed Social Security reform as soon as possible.
About Taxation of Social Security Benefits
Dear Rusty: I am past my Social Security full retirement age, and I am still working. I am married and we file our income tax jointly. My husband is 64 and is not working now, but he may, or may not, be able to work in the next year or so. At what point will my Social Security benefits be taxed, if I decide to take them now? Signed: Worried About Taxes
Dear Worried: Many Social Security recipients are surprised to find that their benefits may be considered taxable by the IRS, so I welcome the opportunity to clarify this topic for you.
Whether or not your Social Security benefits are taxable depends on your overall combined taxable income for your IRS tax filing status. Taxation of Social Security benefits for a married couple (filing jointly) depends on your combined income as a couple, which is called your “Modified Adjusted Gross Income” (MAGI) by the IRS. Your MAGI consists of your normal Adjusted Gross Income (AGI) on your IRS tax return, plus 50% of the SS benefits you received during the tax year, plus any non-taxable interest you may have had.
If your MAGI (filing jointly) exceeds $32,000, then 50% of the SS benefits you received during the tax year becomes taxable, but if your MAGI as a couple exceeds $44,000 then up to 85% of your received SS benefits becomes taxable (at your standard IRS tax rate). Note that these tax thresholds are less for those who file their taxes as a single – e.g., for someone whose IRS filing status is “single,” half of their Social Security benefits become part of their taxable income if their personal MAGI is over $25,000, and up to 85% of their SS benefits are taxable if their individual MAGI is over $34,000.
Another factor often misunderstood is that only a portion of SS benefits are added to your income amount taxed by the IRS. The amount added – somewhere between 50% and 85% of the SS benefits received during the tax year (depending on your MAGI) – becomes taxable income at your normal IRS tax rate.
So, in your case, if you claim your SS benefits now, and your combined income (your MAGI) exceeds the above levels for a married couple, then a portion (either 50% or up to 85%) of your SS benefits received during the tax year will be included in your income taxable by the IRS. Note, too, that it is possible to have income tax withheld from your Social Security benefits by submitting IRS form W-4V to your local Social Security office. You can download this IRS form at www.irs.gov/pub/irs-pdf/fw4v.
About Signing up for Social Security and Medicare Part B at 70
Dear Rusty: I just turned 69 years old in August 2024 and am still working full time. I signed up for Medicare Part A but, it is my secondary insurance because I have great health insurance through where I work. My wife is retired and has Medicare Part A but, is on my insurance also, and she is taking Social Security. Our plan is for me to work until August 2026 when I’ll be 71. I’ll file for Social Security when I turn 70, and bank all of it for a year until I retire. That is money we plan to use for travel and fun things. I have three questions: when should I file for my Social Security so it starts in September; when do my wife and I file for Medicare Part B (with a supplement) so it starts in September; and are there negative tax implications to this plan that I haven’t thought of? Signed: Needing Info
Dear Needing Info: Sounds like you have a great strategy planned for your personal Social Security benefits and your Medicare Part B enrollment for both of you. To your questions:
If you will be 70 in August 2025, you can apply for Social Security about 3 months prior (e.g., in May 2025). Just be sure to specify that you wish your SS benefits to start effective with the month of your 70th birthday. Signing up a few months early is perfectly okay – you will indicate your desired benefit start date on your application, and that is when SS will start your benefits. Remember, SS pays benefits in the month following the month earned, so your first payment will be received in September 2025 (on the 2nd Wednesday if you were born before the 11th of the month).
As for Medicare Part B coverage for you and your wife, both of you can enroll in Medicare Part B a couple of months prior to you leaving work, but request that Medicare Part B coverage starts in the month your work coverage ends. In other words, you can enroll in Medicare before you retire from work but request that your Part B coverage starts in the first month your employer coverage ends (to avoid any gap in healthcare coverage). Obviously, you should begin your private supplemental healthcare coverage to coincide with the start of your Medicare Part B coverage.
Regarding the tax implications, just be aware that a portion of your received Social Security benefits become taxable income if your Modified Adjusted Gross Income (MAGI) as a married couple exceeds certain thresholds. FYI, “MAGI” is your Adjusted Gross Income (AGI) on your tax return, plus 50% of your received SS benefits, plus any non-taxable interest you may have had. If you file your taxes as “married/jointly” and your MAGI is more than $32,000, then 50% of the SS benefits you receive during the tax year becomes taxable income, or if your MAGI as a married couple is over $44,000 then up to 85% of the SS benefits received during the tax year becomes taxable income (at your normal IRS tax rate). Income tax on SS benefits occurs when your MAGI is over the thresholds for your tax filing status, so you should plan accordingly. If your MAGI will be consistently over these thresholds after you retire from working, you may choose to have income tax withheld from your SS benefits, which is easy to do by submitting IRS FORM W-4V to your local Social Security office.
About Retroactive Social Security Benefits?
Dear Rusty: Both my wife and I are 67 1/2, i.e., past our full retirement age of 66 years and 6 months. Neither of us have yet filed for SS retirement benefits. My wife is entitled to about $1,000/month based on her work history, and I plan to wait until age 70 to file. I was entitled to $3,700 at my full retirement age date and am eligible to receive $4,800 at age 70. Thus, my wife’s spousal benefit, which she can get when I start taking my SS, is another $850 (a total of $1,850), which is 50% of my full retirement age amount. We just recently became aware that my wife should have claimed her own smaller benefit earlier and taken her higher spousal benefit later when I claim. But has she lost Social Security benefits because she waited until now to claim? Signed: Trying Hard to Understand
Dear Trying: Yes, I am afraid your wife has lost some of her SS retirement benefit by waiting too long to claim. In your specific circumstances (where your wife is eligible for a higher monthly amount as your spouse) it is important to know that her spousal benefit amount reached maximum when she attained her full retirement age (FRA) of age 66 and 6 months. Even though she cannot collect as your spouse until you later claim, her eventual spousal amount does not increase because she is now past her FRA. Thus, waiting the extra year after her FRA did not enhance her spousal benefit amount, meaning she could have been collecting her own smaller SS retirement benefit starting at her FRA. The good news, however, is not all those past benefits are lost.
Once someone has passed their full retirement age, it is possible to claim up to six months of retroactive benefits. Full retirement age is the cutoff point because your wife cannot get retroactive benefits before her FRA but, since she is about a year past, she can claim her full six months of retroactive benefits. Thus, she will lose only about six months of her SS retirement benefit by claiming her benefits to start at age 67 (vs. now at 67 1/2), which at least mitigates the loss. And instead of her FRA amount of $1000, her initial SS retirement benefit will be about 3% higher because she is claiming past her FRA. But, nevertheless, your wife’s eventual spousal amount (when you claim) will still be limited to 50% of your full retirement age entitlement.
The important thing to keep in mind is that retroactive benefits can only be claimed after someone has reached their full retirement age, and only up to six months of retroactive benefits can normally be claimed. So, in your wife’s case, her eventual spousal benefit from you will still be limited to 50% of your FRA amount even though she waited for a year past her own FRA to claim. But she can claim six months of retroactive SS retirement benefits now to soften the financial blow.
Will my Wife’s Survivor Benefit Less if she Claimed Her Social Security Early?
Dear Rusty: I claimed Social Security at 70. My wife claimed her own SS at 62, and her earnings were significantly lower than mine. I understand my wife will be eligible to claim my benefit if I pass before she does, but will Social Security reduce that benefit because she didn’t wait until age 65 to claim hers? Signed: Concerned Husband
Dear Concerned: Your wife’s benefit as your surviving spouse will be based on two things:
· Her age when she claims her survivor benefit,
· The amount you were receiving at your death.
If she has reached her own Full Retirement Age (FRA) when she claims her surviving spouse benefit, she will get 100% of the amount you were receiving when you died (instead of her own smaller SS retirement amount). However, if she claims her survivor benefit at any time before her full retirement age, it will be reduced for claiming the survivor benefit early.
Thus, when your wife claimed her own Social Security retirement benefit (in her case, age 62) doesn’t matter and doesn’t affect her potential surviving spouse benefit – what matters is her age when she claims her survivor benefit. If she claims before reaching her own FRA, her survivor benefit will be reduced according to the number of months before her FRA that the survivor benefit is claimed. That reduction would be about 4.75% for each year earlier than her FRA she claims it. But if she claims her surviving spouse benefit at or after she reaches her full retirement age, she will get the amount you were receiving at your death, instead of her own smaller age 62 Social Security retirement benefit amount. FYI, your wife’s full retirement age is somewhere between 66 and 67, depending on the year she was born (born in 1960 or later, her FRA is age 67).
And, just for clarity, your wife’s payment as your surviving spouse will consist of her own SS retirement benefit plus an auxiliary amount to bring her monthly payment up to what she is entitled to as your surviving spouse.
Veteran Asks About Special Credits for Military Service
Dear Rusty: I just learned that if I served in the military during an active-duty period, i could get extra earnings for Social Security and that these benefits would be automatically added to my record, but I was never asked by the SS employee who calculated my benefits if I was in the military. I took benefits at age 62 (2013) due to health reasons. Should I ask for a recalculation or is it too late? Signed: Proud Veteran
Dear Proud Veteran: Thank you for your service to our country, for which you have every right to be proud. You likely heard about “Special Extra Credits for military service,” which applies to those who served in the military during certain periods earlier than the year 2001. This rule can add up to $1,200 per year to your Social Security earnings record for the years you served and, since your SS benefit is based on your lifetime earnings record, your military earnings may have been included when calculating your Social Security benefit. But the rules for getting that “extra earnings credit” are a bit complex, and how much extra earnings credit you receive depends entirely on which years you served. Here’s a quick summary:
• SS taxes have been withheld from military pay since 1957, so your actual military earnings are already included as part of your lifetime SS earnings record.
• If you served between 1957 and 1977, an extra $300 for each quarter of active-duty service would be added to your military pay, up to $1,200 per year maximum.
• If you served between 1978 and 2001, an extra $100 would be added to your military pay for each $300 of active duty pay received, up to a maximum of $1,200 per year. FYI, no additional earnings are added to your military pay for service years after 2001.
• Those who served on active duty before 1967 should inform SS when applying for benefits about their military service (e.g., provide a copy of DD-214). For those who served after 1967, the “special extra credits” were automatically added to their military earnings record when they applied for SS benefits.
It’s important to note that the “extra credits” are additional earnings added to your military pay record – not an additional benefit amount added to your Social Security payment because of your military service. If, however, your military pay was included in the 35 years used to compute your Social Security benefit when you claimed, then your military pay affected your SS payment amount.
In any case, if you served in the military after 1967, the special extra earnings credits were automatically included in your military pay record and, thus, were automatically included when calculating your Social Security benefit when you applied. If your non-military working career consisted of over 35 years during which you earned more than you did while serving, your years in the military wouldn’t be included when computing your Social Security benefit anyway (only your highest earning 35 years of earnings are included when calculating your SS benefit)
Should my Husband File and then Suspend His Benefits?
Dear Rusty: My financial advisor used a computer program which told my husband to take his SS at age 68, then suspend it after a few months. What I understood was if my husband started and then stopped taking distributions, he would earn delayed retirement credits and thus get more at age 70. I know waiting increases SS amounts, by 8% a year, but does purposely starting and then stopping SS increase distributions even more? Signed: Confused
Dear Confused: Suspending receipt of one’s SS benefits after their FRA (as in your husband’s case) does result in him earning Delayed Retirement Credits (DRCs), but the DRCs earned accumulate at the same rate as if he simply waited longer to claim his SS benefit in the first place. DRCs are earned up to 70 years of age, at which point your husband’s maximum SS benefit is attained (FYI, DRCs earn .667% of additional benefit for each month benefits are delayed or suspended, or 8% per year). But I see no advantage to your husband starting his benefits now (at 68) and then suspending them several months later to earn DRCs – the number of DRCs earned are the same in either case, so he could simply wait to apply for his Social Security benefits until he is 70 to get his maximum amount.
The only rationale I can think of to claim and then suspend after doing so is to get a few months of his benefit payments before suspending. But the few months he received benefits before suspending will be considered when he later unsuspends his benefit, so that his total payment amount will be a bit less at 70 than it would otherwise be if he simply waits longer to claim SS. And, just for information, he can’t “file and suspend” his benefits so that you can receive a spousal benefit from him. That option (to file and suspend, enabling a spouse to receive benefits) was eliminated by the Bipartisan Budget Act of 2015 – while your husband’s benefits are suspended, you cannot receive a spousal benefit from him.
So, frankly, I see no advantage to your husband claiming his benefit now and then suspending them a few months later. If his goal is to maximize his SS benefit, then the best way to do that is simply wait longer to claim.
Husband Upset about HIs Wife’s Survivor Benefit
Dear Rusty: This is a matter that I find particularly irksome. My wife – a retired teacher – was told that, should I pre-decease her, she is not eligible to get survivor benefits from my Social Security payments. I’m sure there is some arcane, bureaucratic justification for this, but I think it unconscionable. Is this true and if so, what sort of major miracle would be required to alter that? Signed: Disgruntled in Texas
Dear Disgruntled: If your wife was a teacher in a school district (which includes all Texas school districts) that exempted her from paying into Social Security, then any Social Security surviving spouse benefit she becomes entitled to from you will be affected by a provision called the Government Pension Offset (GPO). The GPO will reduce her Social Security survivor benefit by two-thirds (67%) of the amount of her (non-covered) teacher’s pension, which can (and often does) eliminate her surviving spouse benefit. The GPO affects teachers in about 15 states who have opted not to participate in Social Security.
For information, this is similar to what happens to a spouse who has also earned a Social Security retirement benefit – their survivor benefit is offset by their Social Security retirement benefit, and only the excess (if any) is paid. The GPO is actually a bit more generous, in that your wife’s survivor benefit is only offset by 2/3rds of her non-covered teacher’s pension, whereas the offset is 100% for other surviving spouses who have earned SS retirement benefits as well. This is a provision that has been law since 1977, affecting all those who have a pension earned without contributing to Social Security. Its premise was to better equalize the way SS benefits are paid to everyone.
How can that be altered? Well, the only way is by Congress changing Social Security law. There have been numerous attempts to change the GPO law over the years, none of which have been successful. Indeed, there is a proposed law – H.R. 82 – The Social Security Fairness Act – which was introduced in Congress last year. That proposal, to eliminate the GPO (and a sister provision called the Windfall Elimination Provision), has essentially made little Congressional progress, short of a few committee hearings, and the outlook for passage at this point is about zero.
I’m afraid I can’t be optimistic that the GPO will be repealed, as Congress is more keenly focused on resolving Social Security’s looming solvency issue, set to come to a head in less than a decade.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/
About Widow’s Benefits vs. Benefits from my Ex-spouse
Dear Rusty: In November I will be 60 and eligible for widow’s benefits. My late husband’s Social Security was approximately $2,300 when he passed around 7 years ago. FYI, my ex-husband is still working and will probably receive the highest SS when he retires in about 5 years (we were married for more than 10 years). Either of these is more than my own Social Security will be, so how does this work? Will this turn into my Social Security? Can I start on one and switch to the other later? Signed: Wondering Widow
Dear Wondering Widow: Provided you have not remarried before age 60, you have a choice which benefit to receive – either your deceased husband’s benefit as his surviving spouse, or your ex-spouse benefit from your ex-husband while he is still living. Taking your survivor benefit from your deceased husband will likely be best because it is based on 100% of his SS amount when he died, whereas your ex-spouse benefit from your living ex-husband is based on 50% of his FRA entitlement. To get an ex-spouse benefit from your ex-husband (which you can’t get until you are 62), your own SS retirement benefit would need to be less than 50% of your ex’s FRA entitlement.
As you know, you will be eligible for survivor (widow’s) benefits from your deceased husband when you are 60 but be aware that by taking your survivor benefit at 60, it will be reduced for early claiming. Rather than 100% of your husband’s SS benefit, at age 60 you will get about 71.5%. Your surviving spouse benefit reaches maximum at your full retirement age (FRA) of 67 and will grow to that point but will be reduced if taken prior to that.
Also, if you are working, Social Security’s “earnings test” will apply until you reach your full retirement age, so your plans for working may influence your decision on when to claim your widow’s benefit. If you exceed the earnings limit ($22,320 for 2024; it changes annually), Social Security will take away $1 in benefits for every $2 you are over the limit. They “take away” by withholding future benefits until the penalty is satisfied, which means you would go some number of months without benefits. And, if you substantially exceed the earnings limit you may even be temporarily ineligible for any SS benefits (until you earn less or reach your FRA – the earnings test goes away at your FRA).
If you claim your surviving spouse benefits from your deceased husband first, and your ex-husband later dies, you do have the option to switch to the higher survivor benefit from your ex-husband. In effect, if both husbands are deceased, you have a choice which benefit to take (and, obviously, you’d chose the higher of the two).
None of this, however, happens automatically. To claim your surviving spouse benefit you will need to contact Social Security directly at 1.800.772.1213 (or call your local SS office) to make an appointment to apply for widow’s benefits.
This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundation’s staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/
For Advice on When to Claim Social Security
Dear Rusty: I could use some advice on whether or not I should start collecting my Social Security benefits now. I am 67 and 3 months old, and plan to continue working for at least for the next year or two. Signed: Seeking Answers
Dear Seeking: Deciding when to claim Social Security is, indeed, an important decision, as it will affect you for the rest of your life. Mainly, deciding when to claim your SS retirement benefit should consider your financial needs, but your life expectancy and marital status are equally important.
At your current age (past your full retirement age of 66 years & six months) you are already earning Delayed Retirement Credits (DRCs) at the rate of .677% higher benefit for each month you continue to delay. That adds up to an additional 8% benefit for each full year you wait beyond your FRA to claim, and that growth will continue until you are 70 years old. At that point, your benefit will be 28% higher than it would have been at your full retirement age (FRA). If you expect to achieve about “average” life expectancy (about 84 for a man your current age), then waiting until 70 to claim will get you both a higher monthly amount and the most you can get in cumulative lifetime benefits. Waiting, however, only makes sense if you expect at least average longevity. If your health is poor and you have reason to believe you won’t live to the “average,” then claiming earlier makes more sense. FYI, you may find this tool helpful to determine your potential life expectancy: https://socialsecurityreport.
You can, of course, simply delay claiming for as long as you are still working, and then file for benefits at that time. When your paychecks stop is frequently the best time to start your SS benefits (to supplement the lost work income). And, if you are married and your wife will be entitled to a survivor benefit from you, then waiting longer to claim enhances the benefit your surviving spouse receives at your death (your surviving spouse would get your benefit amount, instead of her own smaller amount). If that is a consideration, then waiting – at least until you stop working (or age 70 if feasible) is often a prudent choice.
So, the choice is yours to make, considering your financial needs, life expectancy, and marital status. You no longer need to worry about Social Security’s annual earnings test (for those collecting benefits before their FRA) but, if it is financially feasible, waiting still longer will mean a higher monthly benefit for the rest of your life.
DIVAS ON A DIME
Stuffing Mix Magic: Easy Turkey Meatballs for Dinner or a Party Hit!
BYLINE: By Patti Diamond
PHOTO CREDIT: www.JasonCoblentz.com
PHOTO CAPTION: Turkey Divan: A creamy, cheesy casserole that’s comfort food at its finest.
—
When the week between Christmas and New Year’s hits, we’re all caught in a strange limbo. All the cookies, sweets and party treats create a lawless wasteland of dietary anarchy. The big holiday feasts are behind us, but the New Year’s celebrations are still to come. Whether you’re preparing a cozy family dinner or gearing up for a festive gathering, this recipe for turkey meatballs will have you covered.
What makes these meatballs stand out? We’re skipping the usual breadcrumbs and spicing things up with a seasonal shortcut — boxed stuffing mix! Soaking the mix in milk creates a panade — similar to the technique in Italian meatballs — making them irresistibly tender and moist. It’s an unexpected twist that gives these meatballs loads of flavor with little extra effort. Plus, using ground turkey makes them a lighter option after all those heavy holiday dishes.
Why stop at just meatballs when you can go all-out with holiday vibes? Pair these tender turkey meatballs with a tangy, cranberry-based dipping sauce that brings the whole dish together. The sweet-tart flavor of cranberry, brightened with a hint of orange, adds a festive flair and makes every bite feel like a celebration.
Serve them as a quick, satisfying dinner over rice or pasta, or plop them on hoagie rolls, or a crusty baguette for a meatball sandwich, or pop them on toothpicks for an irresistible party bite. No matter how you serve them, you’ll have a crowd-pleaser that’s as easy to make as it is to eat.
HOLIDAY TURKEY MEATBALLS
Yield: 80 meatballs
Total Time: 35 minutes
2 large eggs
1 cup milk
1 (6 ounce) box turkey stuffing mix
2 pounds ground turkey, 85/15 fat content
1/4 cup onion, finely minced or grated
1/4 cup flat leaf parsley, finely minced, packed
1/4 cup Parmesan cheese, grated
1/2 teaspoon garlic powder
1/4 teaspoon pepper, or more to taste
Preheat oven to 400 F. Line a rimmed baking sheet with parchment paper.
In a large bowl, combine eggs and milk, then add to stuffing mix. Let this sit for about 5 minutes to allow the stuffing to absorb the milk mixture. Add turkey, onion, parsley, Parmesan, garlic and pepper. Mix gently with your hands until well combined. Use a spoon or scoop to measure heaping tablespoons of the mixture, and roll into balls. Place on prepared baking sheet and bake for 18-20 minutes or until they reach 165 F.
CRANBERRY DIPPING SAUCE
1 (12 ounce) bag cranberries, frozen or fresh
1 zest and juice medium navel orange
1/2 cup brown sugar
1/4 cup granulated sugar
1 cup water
1 pinch salt
2 tablespoons balsamic vinegar
1 tablespoon butter
In a medium saucepan over medium heat, combine cranberries, orange zest and juice, both sugars, water and salt. Bring to a boil, then reduce to low and simmer for 10-15 minutes, until cranberries break down.
Remove from heat and stir in the vinegar and butter. Blend for a smooth texture or mash with a potato masher for a rustic take. Serve with meatballs.
If making sauce from scratch doesn’t appeal to you, then simply combine one (15 ounce) can cranberry sauce with a (12 ounce) bottle of chili sauce for a delicious low-effort option.
So, whether you’re juggling post-holiday fatigue or planning a New Year’s bash, these Holiday Turkey Meatballs will make your life a little easier — and a lot more delicious. That’s a win in my book. Here’s to ringing in the New Year with style and a full belly!
***
Lifestyle expert Patti Diamond is the penny-pinching, party-planning, recipe developer and content creator of the website Divas On A Dime — Where Frugal, Meets Fabulous! Visit Patti at www.divasonadime.com and join the conversation on Facebook at DivasOnADimeDotCom. Email Patti at divapatti@divasonadime.com