Economic Insecurity: Implications of Federal Budget Proposals for Low-Income Working Families

What happens when a family loses one or more vital work supports? This brief uses the Family Resource Simulator, developed by the National Center for Children in Poverty, to illustrate the impact of the loss of benefits on working families. The Simulator is a web-based tool that calculates a family’s resources and basic expenses in the context of federal and state policies as family earnings increase. Calculations are based on hypothetical families, created by selecting family characteristics and making choices about which public benefits the family receives when eligible

Child Care in Colorado: Making Care More Affordable for Working Families

In Colorado, as in other states across the country, the high cost of child care puts reliable, high-quality care out of reach for many families. Child care subsidies can help, but current policies reach only a fraction of those in need of assistance. Moreover, families who do receive subsidies can find themselves penalized for working and earning more as just a small raise can trigger a substantial loss in benefits. Using results from NCCP's Family Resource Simulator, this report illustrates these policy challenges and discusses possible solutions that would better help Colorado's low- to moderate-income workers meet their child care needs

Low-Income Families in Connecticut: Results from the Family Resource Simulator

About 85 percent of low-income children have parents who work, and most have at least one parent working full-time, year-round. Nonetheless, many of these parents are unable to afford basic necessities for their families, such as food, housing, and stable child care. Even a full-time job is not always enough to make ends meet, and many parents cannot get ahead simply by working more. As earnings increase—particularly as they rise above the official poverty level—families begin to lose eligibility for work supports. At the same time, work-related expenses, such as child care and transportation, increase. This means that parents may earn more without a family experiencing more financial security. In some cases, earning more actually leaves a family with fewer resources after the bills are paid. The Family Resource Simulator, developed by the National Center for Children in Poverty, illustrates how this happens. This web-based tool calculates resources and expenses for a hypothetical family that the user "creates" by selecting city and state, family characteristics, income sources, and assets. The user also selects which public benefits the family receives when eligible and makes choices about what happens when the family loses benefits (e.g., does the family seek cheaper child care after losing a subsidy?). The result is a series of charts that show the hypothetical family's total income from various sources as earnings rise, as well as the cost of basic family expenses. Using the Simulator, this report describes the experiences of two hypothetical families in the workforce

Supporting Work in Illinois: The Challenges Ahead

Using results from NCCP's Family Resource Simulator, a policy simulation tool, this report analyzes the effectiveness of Illinois' "work support" policies—benefits such as earned income tax credits, health insurance coverage, child care assistance, and food stamps. We find that when families receive the benefits for which they are eligible, Illinois' policies are generally successful in helping families close the gap between low earnings and basic expenses. Rewarding progress in the workforce, however, remains a challenge. Small increases in family income can trigger sharp reductions in benefits, leaving families no better off—or even worse off—than before

Low-Income Families in Massachusetts: Results from the Family Resource Simulator

About 85 percent of low-income children have parents who work, and most have at least one parent working full-time, year-round. Nonetheless, many of these parents are unable to afford basic necessities for their families, such as food, housing, and stable child care. Even a full-time job is not always enough to make ends meet, and many parents cannot get ahead simply by working more. As earnings increase—particularly as they rise above the official poverty level—families begin to lose eligibility for work supports. At the same time, work-related expenses, such as child care and transportation, increase. This means that parents may earn more without a family experiencing more financial security. In some cases, earning more actually leaves a family with fewer resources after the bills are paid. The Family Resource Simulator, developed by the National Center for Children in Poverty, illustrates how this happens. This web-based tool calculates resources and expenses for a hypothetical family that the user "creates" by selecting city and state, family characteristics, income sources, and assets. The user also selects which public benefits the family receives when eligible and makes choices about what happens when the family loses benefits (e.g., does the family seek cheaper child care after losing a subsidy?). The result is a series of charts that show the hypothetical family's total income from various sources as earnings rise, as well as the cost of basic family expenses. Using the Simulator, this report describes the experiences of two hypothetical families in the workforce

Low-Income Families in Delaware: Results from the Family Resource Simulator

About 85 percent of low-income children have parents who work, and most have at least one parent working full-time, year-round. Nonetheless, many of these parents are unable to afford basic necessities for their families, such as food, housing, and stable child care. Even a full-time job is not always enough to make ends meet, and many parents cannot get ahead simply by working more. As earnings increase—particularly as they rise above the official poverty level—families begin to lose eligibility for work supports. At the same time, work-related expenses, such as child care and transportation, increase. This means that parents may earn more without a family experiencing more financial security. In some cases, earning more actually leaves a family with fewer resources after the bills are paid. The Family Resource Simulator, developed by the National Center for Children in Poverty, illustrates how this happens. This web-based tool calculates resources and expenses for a hypothetical family that the user "creates" by selecting city and state, family characteristics, income sources, and assets. The user also selects which public benefits the family receives when eligible and makes choices about what happens when the family loses benefits (e.g., does the family seek cheaper child care after losing a subsidy?). The result is a series of charts that show the hypothetical family's total income from various sources as earnings rise, as well as the cost of basic family expenses. Using the Simulator, this report describes the experiences of two hypothetical families in the workforce

Low-Income Families in Pennsylvania: Results from the Family Resource Simulator

About 85 percent of low-income children have parents who work, and most have at least one parent working full-time, year-round. Nonetheless, many of these parents are unable to afford basic necessities for their families, such as food, housing, and stable child care. Even a full-time job is not always enough to make ends meet, and many parents cannot get ahead simply by working more. As earnings increase—particularly as they rise above the official poverty level—families begin to lose eligibility for work supports. At the same time, work-related expenses, such as child care and transportation, increase. This means that parents may earn more without a family experiencing more financial security. In some cases, earning more actually leaves a family with fewer resources after the bills are paid. The Family Resource Simulator, developed by the National Center for Children in Poverty, illustrates how this happens. This web-based tool calculates resources and expenses for a hypothetical family that the user "creates" by selecting city and state, family characteristics, income sources, and assets. The user also selects which public benefits the family receives when eligible and makes choices about what happens when the family loses benefits (e.g., does the family seek cheaper child care after losing a subsidy?). The result is a series of charts that show the hypothetical family's total income from various sources as earnings rise, as well as the cost of basic family expenses. Using the Simulator, this report describes the experiences of two hypothetical families in the workforce

Improving Work Supports: Using the Family Resource Simulator to Identify Problems and Test Solutions

Neither the federal government, nor the states, has a coordinated or comprehensive work supports system. The current work supports system is comprised of a patch work of programs, such as EITC, child care programs, food stamps, Medicaid, SCHIP, and TANF. As a result of this disjointed history, these work support programs do not always help working parents meet their families\u27 needs. Using the Family Resource Simulator, a web-based policy tool, the authors make specific suggestions for how to improve the Illinois work support system. First, the Article present the landscape of work support systems and how they affect working families as income rises. Next, the Article shows the benefits of the Illinois work supports programs and also spotlights where the programs leave gaps or policy problems. Finally, the Article shows how the simulator can be used to model policy solutions to the problems revealed by the Article

Low-Income Families in the District of Columbia: Results from the Family Resource Simulator

About 85 percent of low-income children have parents who work, and most have at least one parent working full-time, year-round. Nonetheless, many of these parents are unable to afford basic necessities for their families, such as food, housing, and stable child care. Even a full-time job is not always enough to make ends meet, and many parents cannot get ahead simply by working more. As earnings increase—particularly as they rise above the official poverty level—families begin to lose eligibility for work supports. At the same time, work-related expenses, such as child care and transportation, increase. This means that parents may earn more without a family experiencing more financial security. In some cases, earning more actually leaves a family with fewer resources after the bills are paid. The Family Resource Simulator, developed by the National Center for Children in Poverty, illustrates how this happens. This web-based tool calculates resources and expenses for a hypothetical family that the user "creates" by selecting city and state, family characteristics, income sources, and assets. The user also selects which public benefits the family receives when eligible and makes choices about what happens when the family loses benefits (e.g., does the family seek cheaper child care after losing a subsidy?). The result is a series of charts that show the hypothetical family's total income from various sources as earnings rise, as well as the cost of basic family expenses. Using the Simulator, this report describes the experiences of two hypothetical families in the workforce