SIOUX FALLS, S.D. — The cost of living increase, or COLA, that takes effect in 2019 for people on Social Security will be the most generous in years - but it's still mostly grocery money and not a trip to the beach.

The average South Dakota recipient collects about $1,300 a month from Social Security, which means with the increase, the typical senior is looking at about a $40 monthly boost, or $468 per year. Mary Johnson, Social Security and Medicare policy analyst with the Senior Citizens League, said this is the largest COLA increase since 2012.

"And there have been three years when there was no cost of living adjustment at all,” Johnson said. “And in 2017, it was only three-tenths of a percent, or almost zero."

Johnson said people who receive less than $600 dollars in Social Security income won't see any net increase in their benefits.

More than 62 million people collect Social Security in the U.S., including nearly 129,000 in South Dakota. Johnson said the low cost-of-living increases are concerning, because those who depend the most on this income are losing significant buying power over the years.

"Since the year 2000, Social Security benefits have lost about 34 percent of their buying power,” she said. “And that has really big implications for anybody trying to live on Social Security if they don't have lots of savings."

Johnson said people often underestimate how much money they'll need to live on in retirement, and end up spending their savings faster than they planned, or going into debt by taking out a second mortgage. Health care and high medication costs are often to blame. She added seniors in rural areas often face the greatest challenges.

"A lot people simply did not have the type of job where they had the opportunity to have a 401(k) or to save,” Johnson explained. “And 60 percent of retirees are dependent on Social Security for over half of their income."

She noted South Dakota seniors are at least fortunate to be in one of 37 states that doesn't impose state income taxes on Social Security earnings.


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Correcting hearing loss by using hearing aids is a simple and effective way to reduce the risk of cognitive decline and dementia during aging, according to a new Global Council on Brain Health report.

Sarah Lock, executive director of the council, said the report should be a wakeup call for everyone, especially older Americans. She urges people not to let the stigma sometimes associated with hearing loss get in the way of prioritizing hearing health.

"Hearing promotes emotional well being, mental well being and your cognitive health. It's just too important not to take care of," she said. "And when you can do something as simple as getting a hearing aid to correct hearing loss, why wouldn't you want to do that?"

Researchers say if left untreated, hearing loss also increases risks associated with social isolation, loneliness, anxiety and depression.

Lock added the report underscores warnings by the U.S. Surgeon General that the nation is experiencing a loneliness and social isolation epidemic, with health impacts equal to smoking up to 15 cigarettes a day.

Age-related hearing decline is not curable, but it can be treated with hearing aids that achieve the crucial goal of helping people hear better. While hearing loss is often associated with aging, Lock says it's important for people of all ages to protect their hearing.

"Pop those little foam plugs in your ears so that you're not having your ears assaulted at work or at noisy concerts. So there are simple things that you can do to protect your hearing, no matter what age you are," she explained.

An AARP survey found that nearly six in ten Americans age 50 and older have not had a hearing test in the past five years, as recommended. And only 38% said their hearing was excellent. But Lock pointed out nearly 8 in 10 say they would address hearing loss if they knew it could impact brain health.

"AARP offers free screenings for members. If you go to AARP.org/hearing, you can find the hearing center, and you can take a free hearing test over the phone," she continued.


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AARP Iowa is on a road trip, taking knowledge to family caregivers wherever they are and helping them learn more about the resources that may be available to them. It is part of the association's larger effort to educate people about caregiving in Iowa.

AARP Iowa data show the state's 330,000 unpaid family caregivers provide 310 million hours of care every year in the state, which is valued at more than $5 billion.

Brad Anderson, state director for AARP Iowa, said caregivers are busy and often do not know what to expect or where to get information.

"For example, they need to know, 'How do I get in touch with the Area Agency on Aging?' They need to know, 'How does Medicare work?' They need to know, 'Is my loved one on the right prescription drug program?'" Anderson outlined.

AARP is traveling the state from the Mississippi River to the Missouri River in a big red RV to distribute information. Anderson noted they are making stops at grocery stores, hospitals, clinics and pharmacies; the most likely places to run across people who have just inherited caregiving duties.

There are other, more 'hands-on' things caregivers need to know but Anderson added since most people fall into the role, there is no real formal training and they have to learn their new role on the fly.

"How do I feed my loved one? How do I care for a wound? Maybe how do I even lift this person up and help them into bed?" Anderson explained. "These are all things that sometimes happen, literally, overnight."

The informational tour is scheduled to last into August.

AARP has selected four projects in Idaho to receive $49,000 in grants.

The projects were chosen by the organization's annual Community Challenge grant program. The program is designed to support proposals that make cities more livable for people of all ages, especially those age 50 and older, and can be built quickly.

Marie Bonaminio, a volunteer for AARP Idaho, said the program selected three of the four projects in the state this year to boost rural communities.

"A couple of the grants are things that will bring people outdoors, that will keep them active and also to help some of the things that have fallen apart, to be honest, in some of these areas," Bonaminio explained. "Because they just don't have the dollars to keep things, maybe, fixed up and in good condition."

Projects in the cities of Cascade, Marsing and Salmon will improve outdoor areas to encourage social gathering, especially among older Idahoans. The grant program also is providing $15,000 to LEAP Housing, an Idaho affordable housing nonprofit, which will use the funding to renovate housing in Nampa. The projects must be completed by Dec. 15.

Bonaminio added it is a thrill to get to be part of the Community Challenge grant program.

"You walk away just thinking, 'Wow, we have done so much for these small communities to keep them alive and vibrant,'" Bonaminio observed. "I'm so excited to be part of this project. I look forward to it every year."

This year, AARP is investing $3.8 million in more than 340 projects across the country. Since 2017, it has awarded 30 grants in Idaho, worth nearly $330,000 in total.