Federal Report on Housing, Transportation and Economic Growth

report coverRCAP Solutions staff provided Technical Assistance to one of these projects in Washington County, Maine through a small national sub-agreement. These types of collaboration efforts reduce duplication of services.

FOR IMMEDIATE RELEASE

August 7, 2014

Federal Report Highlights Five Years of Progress Providing Communities with Affordable Housing, Efficient Transportation and Economic Growth

WASHINGTON – In celebration of the fifth anniversary of the Partnership for Sustainable Communities, the U.S. Department of Housing and Urban Development (HUD), U.S. Department of Transportation (DOT), and U.S. Environmental Protection Agency (EPA) released “Five Years of Learning from Communities and Coordinating Federal Investments,” a report demonstrating how the three agencies are cooperating to help communities provide more housing choices, make transportation systems more efficient and reliable, and create vibrant neighborhoods that attract business development and jobs while protecting the environment.

“The Partnership for Sustainable Communities is about achieving one goal: expanding opportunity for American families,” said HUD Secretary Julián Castro. “These targeted investments are bringing more affordable housing and transportation options, and more economic resilience to regions that were hard hit by the economic crisis. In partnership with local leaders, I am convinced that the investments our agencies have made will enhance the health and wealth of communities for decades to come.”

“The Partnership is helping us align our transportation investments with the goals of providing affordable housing and preserving the environment,” said DOT Secretary Anthony Foxx. “Together with HUD and EPA, we are making fundamental changes in how we work together to benefit all Americans and provide new ladders of opportunity for many.”
“Communities know better than anyone else what they need,” said EPA Administrator Gina McCarthy. “Through the Partnership for Sustainable Communities, we at the federal level are organizing ourselves to give communities tools to address economic and environmental challenges in the way that works best for them.”

Since 2009, the Partnership for Sustainable Communities has been working to ensure that HUD, DOT, EPA and other federal agency investments better serve communities that were hard hit by the economic recession. Through its efforts, more than $4 billion has been awarded to 1,000 communities in all 50 states, Washington, D.C., and Puerto Rico. In addition to funding, many communities have also received technical assistance to help plan economic development and leverage private and other public resources to maximize the Partnership’s investments. For example:

  • Partnership-funded regional planning efforts in New York and New Jersey laid a strong foundation for recovery from Superstorm Sandy because communities in the region had already been collaborating on development issues.
  • Partnership grants helped Memphis, Tenn., create a master plan for redeveloping the area around its airport, as well as develop a plan to improve bike and pedestrian paths and spur revitalization in a midtown neighborhood.
  • Partnership funding helped the Thunder Valley Community Development Corporation on the Pine Ridge Indian Reservation in South Dakota develop a regional plan to define the community’s future. It could be a model for other rural Native American communities as well.

The Partnership for Sustainable Communities has also fundamentally changed the way that HUD, EPA and DOT evaluate and award competitive grants and technical assistance. The three agencies collaborate to review and select applications for many grants and technical assistance opportunities, such as DOT’s Transportation Investment Generating Economic Recovery (TIGER) Discretionary Grants, HUD’s Community Challenge Grants, and EPA’s Brownfields Area-Wide Planning Grants. This collaboration ensures that federal investments maximize resources for communities.

To download the report: http://www.epa.gov/smartgrowth/pdf/partnership-accomplishments-report-2014.pdf

USDA Rural Development Celebrates Earth Day by Supporting Water Quality Projects in 40 States and Puerto Rico

 

Of the USDA projects announced in the following release, RCAP Solutions provided technical assistance on 9 projects in CT, ME, MA, NY, and RI that were awarded funding over the past several years.  This resulted in $34,640,000  in USDA Loans and $59,111,872  in RD and Farm Bill grants for a total of $93,751,872 to small communities for water and wastewater system improvements.  

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WASHINGTON, April 22, 2014 – Agriculture Secretary Tom Vilsack today celebrated Earth Day by announcing record support for 116 projects that will improve water and wastewater services for rural Americans and benefit the environment.

“Having reliable, clean and safe water is essential for any community to thrive and grow,” Vilsack said. “I am proud that USDA helps build rural communities from the ground up by supporting water infrastructure projects like these. I am especially proud that we can help communities that are struggling economically and those that have urgent health and safety concerns due to their failing water systems.”

Today’s announcement is USDA’s largest Earth Day investment in rural water and wastewater systems. Nearly $387 million is being awarded to 116 recipients in 40 states and the Commonwealth of Puerto Rico. The Department is providing $150 million in grants through the 2014 Farm Bill plus $237 million in loans and grants from USDA’s Water and Environmental Program.

Also noteworthy this year are USDA’s accomplishments to help communities with the greatest needs. Sixteen of the Earth Day projects are in areas of persistent poverty. Twenty-nine are in communities served by USDA’s ” StrikeForce Initiative for Rural Growth and Opportunity.” StrikeForce is a USDA initiative to reduce poverty by increasing investments in rural communities through intensive outreach and stronger partnerships with community leaders, businesses, foundations and other groups that are working to combat poverty.

Climate change in particular is putting more stress on municipal water systems. Many areas around the country have seen changes in rainfall, resulting in more floods, droughts, declines in snowpack, intense rain, as well as more frequent and severe heat waves. All of these are placing fiscal strains on communities – causing them to make more frequent (and often more expensive) repairs and upgrades.

Among projects funded this year, the city of McCrory, Ark., is receiving $2.1 million to build a water treatment facility and two water supply wells, and refurbish its two water storage tanks. The improvements will reduce high manganese and iron levels in the water supply to provide safe drinking water to McCrory’s nearly 800 residents. McCrory is in Woodruff County, a persistent poverty area that is part of USDA’s “StrikeForce initiative for Rural Growth and Opportunity.”

Paintsville, Ky., is receiving a $4.9 million loan and $2.1 million grant to rehabilitate its sanitary and stormwater sewer systems. This is one of 10 projects funded by USDA that will improve water infrastructure in rural areas of Kentucky. The Paintsville project will serve nearly 2,300 residents and businesses and protect the ecosystems of Paint Creek and nearby lakes.

The city of San Joaquin, Calif., is receiving a $1 million loan/grant combination to replace a contaminated well. The city had to shut down one of its three wells due to high levels of bacteria. Once completed, this project will ensure San Joaquin residents have safe, clean drinking water.

In Ohio, the Erie County Commissioners will use $3 million in loans and nearly $3 million in grants to replace individual on-site waste treatment systems that discharge into and pollute the Sandusky Bay and surrounding areas. The commissioners also will build a wastewater collection system for the Village of Bay View and the neighboring Bay Bridge area. The Bay View peninsula is a vital ecological and economic area in the Western Basin of Lake Erie.

Earth Day is observed annually on April 22 to raise awareness about the role each person can play to protect vital natural resources and safeguard the environment. Since the first Earth Day celebration in 1970, the event has expanded to include citizens and governments in more than 195 countries.

President Obama’s plan for rural America has brought about historic investment and resulted in stronger rural communities. Under the President’s leadership, these investments in housing, community facilities, businesses and infrastructure have empowered rural America to continue leading the way – strengthening America’s economy, small towns and rural communities. USDA’s investments in rural communities support the rural way of life that stands as the backbone of our American values. President Obama and Agriculture Secretary Vilsack are committed to a smarter use of federal resources to foster sustainable economic prosperity and ensure the government is a strong partner for businesses, entrepreneurs and working families in rural communities.

USDA, through its Rural Development mission area, has a portfolio of programs designed to improve the economic stability of rural communities, businesses, residents, farmers and ranchers and improve the quality of life in rural America.

Spring 2014 Watershed to Well

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The Spring Watershed to Well is now available!  

You may access it by clicking here.

If you are not currently on the email distribution list, but would like to be added, please contact Maegen McCaffrey at mmccaffrey@rcapsolutions.org.

 

Pine Hill Water District always looks forward to RCAP’s assistance

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Candace Balmer, Water Resource Specialist

The Town of Shandaken, located in southern New York, was named after the native phrase “land of rapid waters” and is home to Slide Mountain, the highest peak in the Catskill Mountains. Shandaken is also home to The Pine Hill Water District, formed by the Town to take over an abandoned private water company serving over 200 mostly residential properties.

When  the Town initially took over the hamlet’s drinking water system, they had to make some improvements to comply with public health requirements.  This involved rehabilitating their water source, constructing a new storage reservoir, and replacing aging distribution mains.

RCAP Solutions helped the Town secure over $1.5 million in New York State Drinking Water State Revolving Funds and USDA Rural Development monies to upgrade the drinking water system.  RCAP Solutions also provided technical assistance to the Town on such issues as securing engineering and construction services, managing the project budget, providing documentation to funders, conducting a rate structure evaluation, and coordinating with primacy agencies and funders.

Most recently, RCAP Solutions has been assisting the Water District to evaluate the cost and funding options associated with several other system improvements, including remediating one of their wells, recently found to be under the direct influence of surface water (GWUDI); remediating their spring sources; and replacing several hundred feet of undersized distribution main that had not been part of the original upgrade project.

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RCAP Solutions is also helping them to develop a comprehensive asset management plan as well as a capital reserve strategy to assure funding for ongoing repair and replacement of critical components.

They also appreciate RCAP Solutions.  Mr. Clark said: “The Pine Hill Water District always looks forward to RCAP’s assistance.  With RCAP’s help, we have been able to move the Pine Hill Water District in a forward direction, both in terms of infrastructure and finances.”

Improving the water system has been deeply appreciated by the residents and businesses of this picturesque community, as has the diligence and professionalism of their Water Superintendent, Don Clark.

Photo: Don Clark, Pine Hill Water Superintendent beside the access door to one of the spring collection boxes.

Community Resources Program Update

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Scott Mueller, Director of Community Resources & Chief Rural Affairs Officer

Rural communities across the country are all experiencing challenges with keeping their localities clean, healthy, and economically vibrant.  This past year has certainly shown that the federal and state governments are tightening the purse strings further impacting local communities, but in particular the small rural communities.

RCAP Solutions Community Resources Program focuses on providing technical assistance at the local level to these smaller underserved communities focusing on providing Technical, Managerial, and Financial [TMF] technical assistance to those seeking to build capacity in these areas at the local level.

In particular one area which has shown to be of great benefit to communities is in the area of Water and Wastewater Asset Management Planning [AMP] and Effective Utility Management [EUM].  In order support or bolster any local economy it is important to have the necessary infrastructure to support its existing workforce, businesses, and in many cases tourism economies which demands clean water.

The current trend is to operate and maintain existing systems in a long term and sustainable approach and there are many approaches smaller communities can take towards this end as the monies from the federal and state entities are shrinking.  As such the responsibility for community systems are ultimately lying with the community itself.  This can often be a daunting responsibility and we are here to help communities through this process.

RCAP Solutions is pleased to be able to again this year offer in many cases free technical assistance in these areas to those communities which qualify.  We also provide an array of other Direct Service Contract services to those seeking special and individualized services.

We wish all communities the best in the upcoming year and to find out more information as to our programs and services please contact Scott Mueller, Director of Community Services and Chief Rural affairs officer at 315-482-2756 or email smueller@rcapsolutions.org.

Potable Water Operator Training in Puerto Rico

PR trainingJosefa Torres, District Director

In November, RCAP Solutions provided the first of three Potable Water Operator trainings at Sila María Calderón Foundation in San Juan, Puerto Rico.

This training activity is part of the Puerto Rico Department of Health Technical Assistance Support & Circuit Rider Project, to help 48 small community-owned public water systems work towards becoming compliant with the EPA Safe Drinking Water Act.

23 participants, representing 17 communities attended the EPA-Certified Operator Training Certification classes, coordinated by RCAP Staff members Josefa Torres, District Director and Juan Campos, Community Development Specialist.

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Upon completion, these water systems will meet the U.S. national standards for safe drinking water, many for the first time in the history of these particular community public water systems.

Practical Implementation of CUPSS R&R Schedule (Not your Dad’s Rest and Relaxation)

OLYMPUS DIGITAL CAMERAArthur Astarita, Maine State Lead 

RCAP Solutions’ experience has shown that developed, small-sized systems (<3300 connections), have a wide-range of documenting capital improvements.  Typically a written sheet is developed showing a list of improvements including costs and is used to plan proposed upgrades.  This “mental list” is generated and updated when events arise that call for a new suggestion or thought but does not contain a comprehensive look at the entire system and financial health.  It is not holistic which is required to assure the system is operated in a long term and responsible manner.

More often is the case that only when equipment fails are capital improvement projects created to address the urgency rather than a planned approach.  Commonly, an engineering firm scopes out this “reactionary” project through the required preliminary engineering report (PER).  The engineering firm usually has a working relationship with the system and retains the “technical knowledge” but the firm does not usually conduct streaming-asset-performance analysis.  In today’s sustainability world, in order for the system to remain solvent and meet regulatory requirements, they must have the tools to document predicted equipment failure, replacement cost estimates and impacts to consumer rates.  Regular system maintenance and observations are necessary for this streaming performance analysis, replacement prediction and financial planning.

The free EPA CUPSS program (www.epa.gov/cupss) affords systems a one-stop shop to document inventory attributes, critical maintenance tasks, revenue/expense finances, mission statements, level of services, system service details along with history and report outputs for analysis.  Supported nationwide, it can become the common, simple routine for all systems to report in standard format.  This standard reporting can lead to building local and regional expertise in a “utility-helping-utility” network, generate detailed grass-roots funding gaps and impress our congressional leaders of their constituents’ needs.

Commonly, operators/superintendents have an ease using CUPSS’ import template; an Excel spreadsheet.  The user can easily copy/paste data from existing records and GIS tables. Conversely, the unique CUPSS output data can join by digitally-indexing to existing record columns and GIS tables. This flexibility allows data capture and enhancement without being repetitive. Technical assistance can be smoothly facilitated by the email exchange of the spreadsheet(s) and phone discussions prior to a site visit for report-output analysis.

Upon completion of the inventory component of the software, CUPSS generates a repair/replacement (R&R) cost schedule.  Here costs for items can be grouped by decade or by logical project task(s).  This report is perhaps the most important and critical step in reaching effective utility management.  This report allows for initial priority and emphasis of improvements along with the cost of those upgrades or maintenance activities.  This R&R cost schedule allows this critical information to be shared in a concise and organized manner with decision makers overseeing the system.

Another aspect of this program and process is that attention may be given to the maintenance budget within CUPSS. By documenting schedule and non-scheduled maintenance costs of critical equipment, a system can understand the funds needed to extend useful life expectancies.  This can reduce budget impacts of capital needed for replacement budgets.

With or without the use of CUPPS it is important to note that systems must provide proper managerial and technical expertise to insure public health.  True sustainability can be approached with the inclusion of an operations and maintenance budget. The creation of and funding in four major reserve accounts is paramount:

  1. Debt Service: 100% funded
  2. Emergency O&M: capped at ~25% of your operations budget
  3. Short-term Assets: All assets <15 year lifespan should be expensed
  4. Long-term Assets: Capital budget schedule and x% of value should be set aside annually

It is the long-term Asset reserve that is financially critical.  As governmental subsidies decline, it is increasingly becoming apparent that utilities must develop a holistic business plan approach which focuses on asset management in order to operate the system in a sustainable manner.

Legislative Update

Legislative update for NLAri Neumann, Director of Policy Development and Applied Research, Rural Community Assistance Partnership

As the 2014 mid-term election nears, Congress has gradually checked off many of the big items on its to-do list. Congress will likely devote most of the rest of this legislative session to passing its annual budget and appropriations bills that fund the federal government. We expect that the spending bills will be wrapped up before Congress heads home for its annual August recess and the election season is in full swing. The budget outlook for rural programs is much the same as last year. Barring any unforeseen circumstances, major changes are unlikely to occur.

One of the big items that Congress recently finished is the reauthorization of the 5-year Farm Bill. It passed both chambers of Congress with bipartisan support and was signed into law by President Obama on February 7. The total bill is complex and multi-faceted and is organized into 12 titles that each address one issue area. The one that most directly impacts RCAP’s work is the Rural Development (RD) Title.

This Farm Bill’s RD Title included a few significant policy changes that will impact rural communities in mostly beneficial ways. It included:

  • Instructions to USDA-RD to streamline the application process for communities applying for loans and grants
  • A requirement that USDA-RD report to Congress regularly on the efficacy of the agency’s programs
  • A pilot program to encourage local and regional planning
  • $150 million in mandatory funding to address the backlog in water/wastewater applications
  • And RCAP’s top legislative priority, authorization for technical assistance for the Essential Community Facilities Program (CF).

The technical assistance authorization for CF is modeled after the successful water and wastewater technical assistance program that currently exists at RD. It sets aside a small percentage of the funds that are appropriated for the program to be used by non-profit entities to help communities adhere to the rules and requirements of the CF program. It helps ensure that projects go smoothly and protects federal investments by ensuring that communities are able to repay any loans they receive from RD. This type of assistance has long been requested by RD state offices, and RCAP looks forward to working with USDA-RD to implement this important policy change.

While the Farm Bill as a whole was not without controversy, the RD Title is a strong title for rural communities that will make many positive changes. We here at RCAP are looking forward to working with USDA to implement the new policies enacted in the bill and ensure that they work to improve the quality of life in rural America.

Educational Tools to Sustain Our Rural Drinking Water and Wastewater Systems

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Sukhwindar Singh, Director of Education and Training, RCAP Solutions 

RCAP Solutions is a private nonprofit 501c 3 multi-state Regional Training and Technical Assistance Center that simultaneously serves as a Massachusetts based Economic Development Agency with a variety of housing, lending and client programs that all support self-sufficiency.  RCAP Solutions serves as the northeast member of the Rural Community Assistance Partnership (RCAP) with headquarters in Worcester, Massachusetts and onsite drinking water and wastewater technical assistance specialists and trainers throughout the Northeast and Caribbean.  The RCAP National Headquarters are in Washington DC and the website is www.rcap.org.  All RCAP specialists utilize state and federal funding to work onsite with small rural drinking water and wastewater systems to effect four community outcomes:

a)      Improved environmental and community health

b)      Compliance with federal and state regulations

c)      Sustainable water and waste disposal facilities

d)      Increased capability of local leaders to address current and future needs.

For many years, RCAP personnel have documented the unique challenges small systems face in providing reliable drinking water and wastewater services that meet federal and state regulations.  These challenges include but are not limited to a lack of financial resources and customer base, aging infrastructure, management limitations, and high staff turnover.  At RCAP we offer technical assistance and training to system personnel and boards to raise awareness of technical, managerial, and financial issues and to improve the operations and compliance of these small systems.

The funding sources that RCAP utilizes to deliver training and technical assistance are highlighted here along with the types of technical assistance offered to communities.   These funding streams translate to the delivery of quality training and technical assistance programs unmatched by any other technical service provider to small and rural systems.  It is important to note that the RCAP technical assistance program is nationwide with technical assistance providers that work directly onsite with communities.  RCAP is also not a membership based association driven by dues, so programmatic efforts are very compatible with federal funding guidelines.  RCAP utilizes Health and Human services funding to improve water and wastewater facilities in small, low-income, rural communities.  With this funding, RCAP staff annually provide a variety of key training programs, serve on advisory councils and develop innovative programming in addition to serving roughly 600-750 communities with technical assistance.    For FY 2014 so far, RCAP Solutions staff have delivered long-term technical assistance to over 114 communities, delivered 130 technical assistance consultations to additional communities and we have conducted over 50 trainings to 289 community members.  Currently RCAP Solutions staff also participate in 16 task forces and program activities throughout our northeast region.  General examples of ways RCAP utilizes this funding includes the provision of workshops for small systems on asset management and budgeting, follow-up with state primacy and agency referrals, conferences and training development in the area of decentralized and onsite wastewater, rate reviews, and TMF (technical, managerial, and financial) training and assistance for small systems.  This year, RCAP Solutions staff are utilizing this funding to participate in the WARN (Water/Wastewater Agency Response Network)  meetings and activities in Pennsylvania and Maine, participate in the RCAP National Training Work Group and training activities, participate in the educational planning committee for the Massachusetts Drinking Water Day, and assist with the Ashokan Release Working Group (ARWG) Technical Subcommittee and NYS DEC Non-Point Source Pollution workgroup, as well as attendance at the New Jersey League of Municipalities Conference and participation at the Annual New Hampshire Drinking Water Training and Expo.

Since 1988, RCAP has worked with RUS (Rural Utilities Service) to provide assistance to communities of 3,300 or fewer residents that are eligible for RUS loans or grants- helping them both with the technical aspects of systems operations and with finding the financial resources necessary to operate their systems sustainably.  By putting these communities on the path to fiscal sustainability, RCAP reduces their reliance on future government grants and loans.  The RCAP network works closely with the Rural Development’s long-and short-term performance measures-particularly the goal of “ensuring the sustainability of water and wastewater systems in rural communities.”  For FY 2014, RCAP Solutions staff have provided long-term technical assistance to over 72 communities, conducted 3 board trainings (with more scheduled) and have trained over 63 staff and board members in small systems.  RCAP Solutions staff is also currently working on 5 Vulnerability Assessments and Emergency Response Plans with more scheduled.  This year it should also be noted that RCAP Solutions staff have assisted to develop capital projects and leverage over $8 million dollars of federal and state funds to benefit these rural communities.  Across our RCAP network, Rural Development is served by all of our regional RCAPs thus bringing the numbers of communities served with this funding source to well over 750 on an annual basis.

RCAP has also partnered successfully with the EPA in serving small water and wastewater systems for over 20 years and much of the technical assistance and training that is offered is customized for these very small drinking and wastewater systems to address compliance and local leadership issues. Some examples of our previous operator training deliverables and summer workshop series were highlighted in previous blogs by this author and are available here and here.

These training products and materials were made possible courtesy of our EPA/RCAP Training and Technical Assistance for Small POTW and Onsite/Decentralized Wastewater Systems and Private Well Owners to Improve Water Quality Project 2012-2013.  With this funding the RCAP Network provided over 30 on-site technical assistance projects, 20 face-to-face training sessions for system managers of small drinking water systems, 6 new training videos on wastewater collection and treatment impacts on watersheds, and over 80 half–day trainings for beginning and intermediate operators and 3 technical training webinars.  In addition, there were numerous and separate training and technical assistance activities for the private well and onsite/decentralized wastewater portions of the EPA grant as noted above.  When the grant closed, RCAP network staff had achieved 100% completion of all grant deliverables in a timely manner and feedback from the systems was overwhelmingly positive.

This year the RCAP activities will be focused on training and technical assistance activities supporting compliance of our small drinking water systems with the Safe Drinking Water Act and improving water quality through training and technical assistance to private well owners.  The outcome of this technical assistance for small and rural communities is improved compliance, improved public health, sustainable facilities and increased awareness by local leaders of future needs.

At RCAP Solutions we are making these connections every day for funders, politicians and local leaders when it comes to supporting the water and wastewater infrastructure needs of our small and rural systems. RCAP services promote economic self-sufficiency and system viability for the future.

Understanding the Challenges and Solutions to Aging in Place

001_seniorsThe following is from a featured article in PD&R EDGE NEWS, an online publication from the U.S. Dept. of Housing and Urban Development:

Over the next 40 years, the population of Americans over age 65 is expected to double from 40 to 80 million, and the population over age 85 is expected to more than triple from 6 to 20 million. Complicating these demographic trends is the desire of most elderly Americans to “age in place,” or stay in their own homes and communities as they age. On January 9, 2013, HUD’s Office of Policy Development and Research convened a panel of experts to discuss these looming demographic changes, their implications for American society, and models that enable elderly Americans to access the services necessary to successfully age in place.

An important context for the discussion was provided by panelist and former HUD Secretary Henry Cisneros, who, like many Americans, approaches the subject through the lens of his own experiences with his parents. “My mother is 89 years old and lives in the home she and my dad bought 2 years before I was born,” said Cisneros. After some time spent in a nursing facility, his mother’s return home was accompanied by an “almost a palpable expression of peace and joy as she walked through the house.” For most Americans, the prospect of aging in place is not an esoteric policy discussion; instead, it strikes an intensely personal chord, touching on life, death, and the importance of family. Given the visceral connection most of us have to our homes and communities, institutions at the local, state, and the federal levels must tackle the challenges of our nation’s aging population and develop solutions that permit people to comfortably age in place.

Obstacles to Aging in Place

Although most Americans want to age in place, the reality, according to U.S. Department of Health and Human Services senior policy analyst James Toews, is that too many individuals enter long-term care institutions unnecessarily or prematurely. Homes and communities frequently are not designed to address the needs of seniors. Many seniors need assistance performing activities of daily living and live in environments that do not accommodate their functional limitations.

Following a catastrophic health event, 25 percent of elderly Americans who temporarily enter a nursing home will find it too difficult to leave. Toews identifies caregiver burnout as one of the primary barriers to aging at home — in the United States, family members provide about 85 percent of all caregiving. These family members may be unable or ill-equipped to provide the complex medical procedures their elderly relatives need, and the medical community offers them little support. In fact, this lack of support is a more significant factor in caregiver burnout than the complexity of the procedures.

RCAP Solutions provides a comprehensive array of elder service programs which can assist our aging population and those who are disabled.  Our Home Modification Loan Program provides financing to disabled persons and their families, enabling individuals to remain independent and make structural improvements affecting the safety of individuals and caregivers.  For more information, please click here.

To see the entire article please click here.