Social Security benefits could see their highest increase in several decades, but those advocating for beneficiaries say there is still plenty of concern about today's financial hardships.

The latest forecast indicates 2023 benefits will increase by around 9% when the decision is announced this month.

Richard Fiesta, executive director of the Alliance for Retired Americans, said while the increase helps to temper inflation, it falls short for many older Americans.

"It's still not enough in terms of basic benefits," Fiesta argued. "To keep pace with seniors who have much higher costs in health care, in transportation and housing and basic necessities like food than the rest of the population."

Fiesta is advocating for bills in Congress to expand benefits and boost the Social Security tax cap in order to extend the program's solvency. However, Republicans, including Sen. Rick Scott, R-Fla., have been calling for sunsetting government programs such as Medicare and Social Security every five years.

Jon Bauman, president of Social Security Works's political action committee, thinks the sunset proposal is preposterous because the money in the Social Security Trust Fund comes directly from workers' wages during all of their lives and their employers' contribution.

"But I guess these guys are proposing that, 'Ya, we're going to decide whether we're actually going to give those people that money that was guaranteed to them or maybe we just won't.' Which seems quite remarkable," Bauman remarked. "Social Security's been around since 1935 and hasn't missed a payment yet."

Fiesta believes one way to revamp the program's funding challenges is to get rid of the current wage cap which is $147,000 dollars, which means people who make more are not subject to social security withholding on earnings above that level.

"We think if you would raise that cap you could make the Social Security Trust Fund more financially stable well into the future," Fiesta contended. "And also increase benefits, especially for people who may not have made a lot in their working life."

In her fifth State of the State address this week, Gov. Gretchen Whitmer emphasized policies designed to put more money in Michiganders' pockets.

The second-term Democrat included several proposals, including a plan to cut the tax on retirement income, that played well with Michigan seniors.

Melissa Seifert, associate state director for government affairs at AARP Michigan, said the governor's speech set a positive tone for the new legislative session. She said her group's priorities include more funding for long-term care and help for the state's caregivers.

"Right now, 68% of Michigan's Medicaid dollars actually go to nursing homes," she said. "We want to see a rebalancing of those dollars, to put back into resources for home and community-based services."

Seifert said AARP is also watching legislation to lower drug prices, expand access to affordable housing and make it easier for people to save for retirement.

Republican lawmakers, in the minority for the first time in years, have said they'll wait for the governor's proposed budget before passing judgment on her programs.

Seifert said lawmakers need to find a solution to the crisis in Michigan's direct-care industry, where she said poor wages and working conditions have led an annual employee turnover rate of up to 80%.

"We want to see Medicaid wages increase for direct-care workers by $4," she said. "And we're also asking for an investment from the American Rescue Plan Act to provide retention bonuses for direct-care workers."

Seifert said she believes home is the best place for seniors to get care, but said that it often leads to long hours and high stress for family members doing the caregiving. She said it's important for the state to develop and provide resources for these families.

"It's estimated that 1.73 million Michiganders are family caregivers," she said. "So, we're looking at a very large chunk of Michigan's population. We want to create Caregiving Resource Centers to provide information and resources for those that need it."

The Michigan Legislature opened on Jan. 12 and will meet periodically through Dec. 28.

A grant program that helps with projects that benefit local communities is back. The AARP Community Challenge program selects projects for small, one-time grants. The aim is to fund projects that will make cities and towns better for people of all ages - with an emphasis on folks age 50 and older - and can be completed in a few months' time.

Marie Bonaminio, a volunteer with AARP Idaho who looks through applications, said the project's feasibility is one area they focus on.

"Sometimes just the smaller dollars is all they're looking for to finish a project, sometimes just start the project. Maybe we're just a piece of it," Bonaminio said. "But it's all about making the communities more livable."

Bonaminio said applications from nonprofit organizations and government entities are prioritized. The deadline for applications is 3 p.m. Mountain time on March 15th. Once they're funded, the projects must be completed by November 30th. Since it began in 2017, AARP has awarded $12.7-million to more than a thousand projects, including 20 in Idaho.

The Community Challenge program is adding two new grant programs this year. One is a capacity-building micro-grant for improving walkability by starting or expanding a community garden. The other is a demonstration grant, which will focus on transportation improvements and the benefits of accessory dwelling units as a housing solution. While some of the projects funded as part of the Community Challenge's flagship program may only last a short time, others are there for much longer.

Bonaminio said these are big wins for communities.

"These are actually projects that they put together and they stay there," she said. "This is to improve their community forever."

Last year, three projects in Idaho were funded. They included funds to install a permanent sound system at the Anne Frank Human Rights Memorial in Boise, a remote locker system for the Emmett Public Library, and an electric cargo bike that carried games and other items around Boise over the summer.

AARP Maine said it is hopeful lawmakers will find common ground on issues to support older Mainers this legislative session, including establishing a paid family and medical leave policy.

Surveys show more than 75% of Mainers support a plan to help those providing unpaid care to older parents or spouses while often working full-time jobs or raising children themselves.

Noël Bonam, state director of AARP Maine, said a paid family and medical leave program is needed so caregivers do not have to choose between caring for a loved one and their job.

"We know that there are over 180,000 unpaid caregivers in the state who are making all sorts of changes to their lives to support and take care of a loved one," Bonam reported.

An AARP study found unpaid caregivers in Maine provide more than $2 billion worth of care each year. Bonam argued a paid family and medical leave policy would help offer some balance and support to people working to keep their families healthy and together.

Broadband is another important issue for older Mainers, yet less than 50% of households in the state have access to reliable high-speed internet.

Bonam emphasized the pandemic revealed the importance of reliable internet service for older Mainers to access telehealth services and avoid the health risks stemming from isolation and loneliness.

"It's important for people living in remote places in the state to be able to live life in a way that feels fulfilling," Bonam contended. "In a way that feels connected to what is really going on in the rest of the state."

Bonam noted AARP is encouraging its members to regularly contact their lawmakers to share their struggles as well as hopes for impactful legislation for older Mainers this session. He added Mainers are fortunate to live in a state where residents can easily pick up the phone and give them a call.