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September 26.2025
3 Minutes Read

Seniors on the Brink: Federal Funding Deadlines and Tax Credit Changes Looming

Justice in Aging: Addressing Seniors and Tax Credits with a modern design.


The Pressing Federal Funding Deadline: What It Means for Seniors

As we approach October 2025, seniors and advocates alike are holding their breath as federal funding is set to expire on September 30. If Congress fails to pass a continuing resolution, many essential services could be disrupted, and the implications on the older population could be severe. The Department of Health and Human Services (HHS) has outlined how programs like Medicare and Social Security will continue, but the concern remains over non-essential services that many older adults rely on.

Understanding the Marketplace Tax Credit Cliff

Without congressional action, low-income seniors could face a significant spike in health insurance costs as the enhanced premium tax credits (ePTCs) are set to expire at the end of this year. This cliff means many aged between 50 to 64 years could see premiums rise over 500%, an unsustainable burden for those on fixed incomes. Advocacy groups are rallying behind Congress to make the ePTCs permanent, emphasizing how crucial these credits have been in allowing access to affordable health coverage through the Affordable Care Act Marketplace.

HUD's Withdrawal of Fair Housing Guidance: Implications for Seniors

The recent changes from the U.S. Department of Housing and Urban Development (HUD) could leave older adults vulnerable. By prioritizing only cases with strong allegations of intentional discrimination, the agency is essentially narrowing its focus. This shift in policy raises concerns, especially since fair housing complaints involving disability are prevalent among older adults. Senator Elizabeth Warren's call for an investigation into HUD's practices highlights the gravity of this situation.

The Impact of Ending the USDA's Food Insecurity Survey

The USDA's decision to terminate its annual Household Food Security Report significantly affects the availability of data used to guide food assistance policies. As funding for SNAP is slashed, millions of seniors could find themselves more vulnerable to food insecurity, leading to health complications that could exacerbate their conditions. As the final report is due next month, it is crucial for policymakers and advocates alike to engage with this shift to ensure that old adults’ needs remain a priority.

Why Seniors Should Stay Informed

Understanding these developments in Washington is critical for seniors and their families. From potential hikes in health insurance premiums to the precarious state of fair housing and food security, the decisions made at this juncture could significantly affect the quality of life for many older adults. Utilizing resources such as Families USA’s toolkit can empower seniors to reach out to their representatives and advocate for essential protections.

Taking Action: Protecting Our Seniors

The time for advocacy is now. As the September 30 deadline looms, it is imperative for seniors to voice their concerns to Congress about extending the ePTCs. Additionally, the role of citizens in upholding fair housing standards cannot be underestimated. Every letter, call, and email counts in shaping policies that protect the elderly.

By remaining engaged, older adults and their families can contribute to a more supportive and responsive system that safeguards their rights and needs. Contact your representatives and utilize available resources to advocate for the continuation and strengthening of assistance programs that directly impact senior citizens. Every action can lead to meaningful change.


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11.08.2025

Embrace Native American Heritage Month: Celebrations at Sagora Senior Living

Update Celebrating National Native American Heritage Month: A Meaningful Observance November is a time for reflection and gratitude, particularly as it marks National Native American Heritage Month. This observance is a poignant reminder of the invaluable contributions that Indigenous peoples have made to the fabric of American history and culture. At Sagora Senior Living, we recognize the importance of celebrating this heritage, not just for our residents of Native descent, but for all individuals who seek to understand and honor this rich cultural tapestry. Understanding the History Behind the Celebration The origins of National Native American Heritage Month trace back to 1915 when Red Fox James, a member of the Blackfeet tribe, campaigned for the establishment of an official day to honor Native Americans. His efforts culminated in 1916 when the state of New York became the first to recognize American Indian Day. The observance gained momentum, leading to its formal recognition by Congress in 1990. Today, it serves as a platform for educating people about the historical events and diverse cultures of Indigenous peoples across the United States. Cultural Connections: Why This Celebration Matters Understanding the significance of Native American Heritage Month is essential. This observance provides opportunities to explore Indigenous cultures, traditions, and contributions while highlighting the importance of community resilience. For seniors, reflecting on these aspects fosters a greater appreciation for diverse histories, often leading to engaging discussions that bridge generational gaps. A Journey Through Tradition: Activities Celebrated at Sagora At Sagora Senior Living, we believe in celebrating culture through vibrant activities. During November, our residents participate in various events such as story-telling sessions featuring Native folktales, crafting traditional art, and cooking classes that highlight Indigenous cuisine. These events not only bring joy but also serve as educational experiences for our residents, many of whom are eager to learn about traditions different from their own. Embracing Contemporary Native Voices This month also presents a chance to uplift contemporary Native voices. Various communities are hosting events and seminars that focus on current issues, challenges, and achievements. For instance, discussions about the ongoing challenges Indigenous peoples face in healthcare, education, and economic opportunities provide insights into systemic issues while encouraging advocacy and support. At Sagora, we incorporate resources that promote this knowledge, cultivating an environment of awareness and respect. Bridging Generational Gaps Through Cultural Education Cultural observances like Native American Heritage Month are invaluable for fostering intergenerational connections. By sharing stories and traditions, younger generations learn from the experiences of their elders, while seniors have the opportunity to impart wisdom and perspective. Programs that encourage dialogue between different age groups can enrich the understanding of cultural heritage, creating a mutual respect that transcends age and background. Looking Forward: Future Predictions and Opportunities for Engagement The importance of observing National Native American Heritage Month will only continue to grow. As society becomes increasingly aware of the need for inclusivity and representation, institutions like Sagora Senior Living will be at the forefront of advocating for cultural recognition. Planning for future events can include collaborations with local Indigenous organizations to create shared spaces of understanding and respect. Get Involved: Your Role in Honoring Native Heritage Celebrating Native American Heritage Month is not solely the responsibility of larger institutions; it starts at the individual level. Seniors can engage by sharing stories from their lives, fostering an intercultural dialogue that enriches their communities. Additionally, volunteering or participating in events that highlight Indigenous peoples’ art, history, and challenges can make a significant impact. Engaging with educational resources—such as documentaries or podcasts—is another way to deepen your understanding. In Conclusion: Embrace the Journey of Learning and Growth National Native American Heritage Month is more than a celebration; it is a vital opportunity for reflection, education, and engagement with history and culture. At Sagora Senior Living, we invite our residents and their families to immerse themselves in the festivities, ensuring that the legacies of Indigenous peoples are honored, understood, and preserved. Join us in discovering the beauty and nuance of Native American culture this November!

11.08.2025

How the Supplemental Security Income Restoration Act Will Support Seniors

Update Understanding the Need for the Supplemental Security Income Restoration Act In an era where economic disparities are widening, the Supplemental Security Income (SSI) program stands at a crucial crossroads. With reports indicating that nearly 7 million seniors live below the poverty line, urgent action is needed to ensure that low-income seniors and individuals with disabilities can meet their basic needs for food, shelter, and medical care. Recently introduced by Representatives Raul Grijalva, Elissa Slotkin, and Jan Schakowsky, the SSI Restoration Act seeks to revitalize and modernize a program that has become outdated and burdensome. Exploring the Current Rules of SSI The SSI program, established more than five decades ago, has failed to keep pace with the rising cost of living. Currently, a single beneficiary receives about $967 monthly, which is only 74% of the federal poverty level. A notable feature of the program is its stringent eligibility criteria—those wishing to qualify must keep their assets below $2,000, an amount that has not been adjusted since 1989. Such high thresholds effectively push many applicants away, while those who do qualify often find themselves in dire financial situations. Major Changes Proposed by the SSI Restoration Act The SSI Restoration Act seeks to amend these restrictive rules significantly. Among its key proposals is increasing monthly benefits to at least 100% of the federal poverty level, allowing individuals to save up to $10,000 and couples $20,000 without penalty, and raising the income limits beneficiaries can receive from other sources without losing SSI benefits. By easing these restrictions, the legislation aims to lift millions above the poverty line and reduce the stigma associated with financial assistance programs. Significant Consequences of Not Updating the SSI Program The urgency to amend SSI policies is underscored by the fact that outdated regulations perpetuate poverty among vulnerable populations. According to the Center on Budget and Policy Priorities, the complexities of the program can deter eligible applicants and create barriers to assistance. The SSI Restoration Act acknowledges these flaws and proposes a more compassionate and realistic approach suited to today’s financial landscape. Long-term Economic and Social Benefits Updating the SSI program is not just a matter of financial support but relates to the dignity and well-being of millions of Americans. Improved SSI benefits would empower beneficiaries to make independent financial decisions, save for emergencies, and contribute to their communities. Furthermore, easing penalties related to marriage and work will promote family unity and encourage greater participation in the workforce. The Broader Impacts of SSI Restoration Enhancements to the SSI program could also help address racial economic disparities in benefits distribution. Research shows that SSI disproportionately serves beneficiaries from diverse racial backgrounds. Therefore, by modernizing SSI, lawmakers not only improve the financial lives of seniors and individuals with disabilities but also advance equity in federal assistance programs. Acts of Community Support and Solidarity The essence of the SSI Restoration Act represents an acknowledgment of community responsibility. By embracing a more humane approach toward welfare, we collectively contribute to building a society where the most vulnerable are given a fair opportunity to thrive. Advocating for this legislation will require unified voices from communities, advocates, and the beneficiaries themselves, ensuring that the needs of those affected are prioritized in policymaking. How You Can Get Involved and Make a Difference If you are concerned about poverty among seniors and people with disabilities, consider participating in advocacy efforts. Engage with local initiatives, contact your representatives to express your support for the SSI Restoration Act, and educate your community about the importance of updating programs designed to protect our most vulnerable. Let your voice be heard—together, we can work towards a society that values the dignity and independence of all its members.

11.07.2025

Consumer Protections: Empowering Seniors in Complex Healthcare Systems

Update Understanding the Importance of Consumer Protections for Seniors Seniors who are dually eligible for Medicare and Medicaid, commonly referred to as "dual-eligibles," are navigating complex healthcare systems that often leave them vulnerable. With over 13 million individuals fitting this category in the United States, it becomes paramount for policymakers and advocates to strengthen consumer protections that ensure these citizens receive the support and services they rightfully deserve. Key Components of Consumer Protections The recent toolkit developed by Justice in Aging aims to provide critical framework and template language for the creation of State Medicaid Agency Contracts (SMACs) that prioritize the needs of dually eligible populations. Sections IV and V represent the backbone of consumer protections regarding membership engagement, including Ombuds programs and Enrollee Advisory Committees, serving as platforms for seniors to voice their concerns and influence policy changes. Crucial to maintaining access to care are provisions that enforce continuity of care, allowing seniors to keep their providers amidst potential transitions in their coverage. Deeming protections serve as a strategy to protect seniors from losing access due to administrative complications, a significant concern labeled "Medicaid churn," which can occur when eligible individuals cycle in and out of enrollment due to bureaucratic inefficiencies. Future Implications of Recent Legislative Actions The introduction of the Budget Reconciliation Act of 2025, which suspends essential streamlining efforts in Medicaid enrollment processes, raises alarms about the future for dual-eligibles. By reinstating complex requirements for income verification and burdensome renewals, over 13 million Americans may face increased difficulty in accessing necessary care. According to a study by KFF, such systemic instabilities often disproportionately affect seniors, who rely heavily on Medicaid for critical financial assistance with Medicare premiums and cost-sharing. Integrated Care Models: A Mixed Blessing While Dual-Eligible Special Needs Plans (D-SNPs) aim to provide integrated care for dual-eligibles, evidence suggests that outcomes can vary widely based on state oversight and the quality of coordination among providers. Managed Care Organizations (MCOs) are central to these models, and their capacity to meet the nuanced needs of this population through person-centered care frameworks will dictate how effective they prove to be. The AARP Policy Book emphasizes that achieving health equity for dual-eligibles requires more than just administrative review—it necessitates that MCOs receive guidance directly from beneficiaries and family perspectives to remain effective advocates for their needs. Furthermore, strategies to extend equitable access to care must prioritize racial and ethnic diversity across provider networks, ensuring that every senior is adequately supported regardless of background. What This Means for Seniors Today As fears of bureaucratic hurdles increase among dual-eligibles with the rollout of new legislation, it’s vital for seniors to remain informed and proactive about their rights. Communities should build bridges between older adults and their healthcare resources, ensuring individuals in need are equipped with information on how to navigate these systems effectively. The notion of community-level engagement further underscores the importance of these initiatives. That said, a successful model will harness local wisdom, record experiences, and amplify voices in advocacy. As this vital toolkit nears completion with further sections expected in 2026, it is an opportunity for stakeholders to strengthen frameworks that uplift the voices of dual-eligibles and ensure their rights are championed. It is crucial for seniors and their advocates to stay connected and engaged in dialogues about these emerging policies. Diligence in exploring both available resources and legislative effects can empower these populations to safeguard their rights and healthcare options. Conclusion: Take Charge of Your Healthcare Experience As we look forward toward continued discussions and updates regarding dual-eligibility policies, we encourage you to reach out to local advocacy groups and health services. Each voice matters in shaping a more equitable healthcare future for seniors. You can make a difference by participating in forums, asking questions, and staying informed about developments affecting your rights as a Medicaid and Medicare beneficiary.

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