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Anne Michaud: editor & senior writer

Archive for the ‘Retirement’ Category

Is marriage becoming extinct?

Thursday, August 9th, 2012

As poverty grows and the gap between rich and poor widens, there’s a narrative developing that women may have taken this equality stuff too far.

Today, 41 percent of births in the United States occur outside of marriage, compared with 17 percent in the 1980s. The decline in marriage leaves parents – mostly mothers – to struggle alone financially. Depending on which study you read, sociologists believe that single parenting accounts for 15 to 40 percent of a family’s likelihood of living in poverty.

Even Isabel Sawhill, who directs the Center on Children and Families for the moderately liberal Brookings Institution, wrote in May that former Vice President Dan Quayle was right 20 years ago about Murphy Brown: Unmarried motherhood is a bad choice. Children who grow up poor more often act up in class, become teenage parents and drop out of high school.

But this narrative implies that the rise of women’s rights is to blame for all these changes – or that it is reversible. The bad news story also ignores the gains arising from the greater earning power of women, the looser divorce laws and the reduced social censure that have enabled so much single parenthood. The rate of domestic abuse has dropped steadily, for example, and women are less likely to commit suicide or be killed by an intimate partner. (more…)

Health bill threatens to bankrupt man

Monday, June 20th, 2011


First published in Newsday
A year ago, Tom Carlo’s back was killing him. And now it’s simply threatening to send him into bankruptcy.

Carlo, 63, has struggled for more than 40 years with back pain, since falling out of the second floor of an Air Force barracks in 1968, when his unit was under attack in Vietnam. Last spring, he was unable to sit for very long because of the pain, and he was taking drugs that were wrecking his stomach. He opted for a spinal surgery — his third — recommended by a doctor.

The surgery was supposed to lead to a cure from pain, and Carlo has found some relief. But his financial problems were just beginning. In June, his insurance carrier, CareAllies, OK’d the operation. In July, Carlo checked into Winthrop-University Hospital in Mineola. In August, CareAllies reversed its decision and denied payment to the two surgeons who operated.

“When the insurance company gives you the OK, you figure, let’s do it,” Carlo said. “Two months later they told me I should have tried physical therapy or shots — well, it’s too late now.”

This is an unpredictable moment in the business of medicine, with costs soaring, the federal government rewriting rules, and insurance companies and doctors vying for some control over the inevitable changes. But people like Tom Carlo, a retired U.S. Postal Service letter carrier who drives a school bus in Garden City, shouldn’t have to bear the brunt of these tectonic shifts. He appears to be caught by an insurance carrier balking at astronomical fees from an out-of-network doctor. (more…)

Home-sharing’s time returns

Thursday, April 7th, 2011

First published in Newsday

Pushed along by those twins of the Great Recession — unemployment and foreclosure — America may be moving back under the multigenerational roof.

At a recent reunion of high school friends, I talked to one who had returned to her mother’s house, along with her brother and sister. The whole family was back together again, this time with grandchildren added to the mix. It was a disaster. The siblings were fighting as much as they had in high school.

Another friend’s son was enlisting in the Army to avoid moving back into her home after graduation. The Census Bureau says that 54 million Americans were living in multigenerational families in 2010, up from 49 million two years earlier. That’s the highest count since 1968.

Of course, it’s nothing new for large extended families to live under one roof. In many parts of the world, it’s the norm. In this country, Asians and Hispanics have higher rates of multigenerational living, perhaps reflecting greater cultural acceptance.

But for the most part, since the 1950s, the American middle class has assumed that one is up and out at 18. Each nuclear family, according to this standard, had its own home.

And that attitude can make moving back in together — or “doubling up” in demographers’ terms — feel like a step backward. It can be a sign of financial desperation, a response to unemployment, lack of child care or health care, or affordable rents. (more…)



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