Recently, I came across a Boston Herald article questioning why 34 percent of the Boston Division of Children and Families (DCF) were unlicensed social workers. The tone of the article suggests that unlicensed workers are not qualified to perform their duties while indicating that licensed social workers equated to a higher standard.
As a former Child Welfare Investigator, those who follow Social Work Helper is well aware that I am a strong advocate against the Licensed Clinical Social Worker (LCSW or equivalent) becoming the standard for all social workers especially in the public sector and child welfare. Many hear the word licensed and assume it means in compliance or adherence to a certain standard, and it does if you are providing mental health services. Until the LCSW, a doctorate in psychology was needed for diagnosing and treatment. Social Work Licensure Advocates for the LCSW changed that dynamic and have helped to make mental healthcare services more accessible. However, each state develops their own licensing requirements which often varies from state to state.
As it relates to the Licensed Clinical Social Worker (LCSW) or the Licensed Independent Clinical Social Worker (LICSW) under Massachusetts’ licensing law, it means the individual social worker has a master degree in social work, and he/she is licensed to diagnosis clients with a mental health disorder and/or provide treatment to help improve their outcomes after being diagnosed with a mental health disorder. Additionally, Massachusetts provides licensing for Bachelors level social workers. However, this is not the standard in North Carolina or the majority of states.
Currently, most Child Welfare Agencies require at minimum a bachelors degree in Social Work or related field. However, by requiring social work licensure, I believe it places additional financial burdens on social workers working in traditional social work roles while the Council for Social Work Education fails to address the barriers and challenges those in the public sector face in pursing a social work education.
Both Child Welfare Social Workers and Police Officers are given powers by statutory law. However, child welfare agencies are not required to be accredited and maintain minimum training and standards certifications like police departments despite recommendations by the United States Government Accounting Office (GAO). Although studies show a social work degree is the recommended degree for a child welfare setting, studies also recommend accreditation as the best course of action to improve outcomes for children and families. Having licensed social workers do not guarantee their course work was specifically for working in child welfare nor does it institute transparency, accountability, program evaluation, and minimum standards of care as well as creating standards for the Agency’s administration of policy.
Many social workers are deterred from pursing a social work education due to the barriers and oppressive polices against older, working practitioners, and/or the underpriviledged. Although I had a BSW degree and working as a Child Welfare Investigator, I had to quit my job and work for free at another human service agency in order to be in compliance with the internship requirements. Social Workers are finding themselves without health insurance and in economic turmoil in order to comply with a licensing standard that is geared towards clinical practice and not macro/public service.
The Division of Child and Family Services and other child welfare agencies act under the authority of federal, state, and local statutory laws to investigate allegations of abuse, neglect, and dependency. These agencies are also charged with making recommendations and monitoring the fitness of parents once a determination has been made following a family assessment or investigation. As a result of this statutory authority, licensing law advocates have been unsuccessful in eliminating the licensing public sector exemption for child welfare and human service agencies. However, they have been successful in creating this mandate in the private sector.
As a Child Welfare Investigator, I brought a knowledge base of almost 14 years of interview and interrogation experience in addition to a Bachelor of Social Work. Later, I pursued a Master degree in Social Work with a concentration in management and community practice.
However, without doing an additional two years in post graduate doing therapy, I am not eligible for licensing in the State of North Carolina. Because someone can go straight to undergrad, then to graduate school, and then work an additional two years post graduate doing therapy for less than minimal wages to get a LCSW in the State of North Carolina, it does not make them more qualified as a child welfare social worker. It makes them more privileged.
Child Welfare social workers act as brokers when treatment services are needed or recommended. We connect families with community providers and resources who are trained to provide those services and make expert recommendations on their progress or lack of progress.
Child Welfare Services must coordinate between schools, police department, hospitals, and other community providers in order to obtain information and coordinate services while maintaining case documentation and hourly billing for reimbursement from the federal government. Unlike private sector project managers, child welfare social workers must complete this high wire act with limited resources and access to technology while dealing with a load of bureaucracies in poor work environments. Child Welfare Social Workers live and work in fear because the bulk of your time doing triage and cases with low activity often get re-prioritized due to high caseloads and staff shortages.
When I investigated cases, the police investigators relied on my evidence and case gathering to determine whether charges should be filed because social workers are more educated and are the experts in these cases. Social worker have both education and training in many aspects police investigators do not. Yet, often the police investigators that I interacted with had higher salaries than I did, received over-time pay or comp time in excess of a 40 hour week, and most only a high school diploma or at best a bachelor’s degree despite our jobs being classified as hazardous by both the county and the State.
If there is a tragedy, the media is asking the wrong questions, and Agencies are not going to steer you into asking the right questions. Child Welfare and Human Services Directors answer only to their Board of Directors, and they operate independently of the county or State unless State legislation has addressed this. State oversight is limited because Child Welfare Agencies predominately operate by mandate of Federal law as adopted by State law.
If you want to know why something happened, find out the case number ratios for each social worker and the amount of hours each worked. See how many children a social worker has on his/her caseload and their risk level which determines the amount of times each social worker must visit each child monthly. Look at the administrative time logged for each social worker which provides insight into actual days work, time in meetings, time spent in case supervision, and training records. You will find the numbers won’t add up to what is humanly possible.
Do you automatically assume that each case only has one or two children in the same household or go to the same school? Eight-teen cases don’t sound like a lot, but you could easily have over 55 children with moderate to high risk levels. Moderate risk requires bi-monthly visits and high-risk requires weekly visits. Low risks require monthly visits, but they are often not enough to keep a case open for services. No matter how many children on your caseload, you don’t stop getting cases.
It is not uncommon for kids to leave for summer camp or go visit relatives especially when they are not in school, and a courtesy request home visit made to another Agency in another state could take months to occur. States are not connected, and sending out an alert on a missing child equates to an email and a report to law enforcement which often don’t go anywhere due to being out of their jurisdiction for investigation. I believe the cases in Boston will expose systems failures if the right questions are answered.
Ask for the same records and standard operating procedures, you would seek if you want to know if a police officer or police department was malfeasance and whether proper in-service training was up to date. Under current federal mandates, it is statistically impossible for the best qualified social worker to adhere to every standard and best practices. Front-line staff often take the fall while policy and system failures are not being properly identified.
Where are the supervisory case notes by each supervisor who is suppose to meet weekly with their subordinates to discuss all the children on their caseload? Are the checks and balances clearly defined by supervision and the administration to account for the whereabouts of children falling under the scope of child welfare services, and how is it monitored?
I challenge the media to ask the right questions. In the video below, the Governor addressed allegations relayed by the school superintendent after the fact. I could write another article on the improvements needed between child welfare social workers and teachers. Social Work investigators’ caseloads are tremendously exacerbated because teachers are not trained on the differences between abuse/neglect and poverty. However, I will have to address that at another time.
Parental Medicaid Expansion Translates into Preventive Care for their Children
When low-income parents enroll in Medicaid through the Affordable Care Act (ACA) state expansion program, their children have considerably better odds of receiving annual preventive care pediatrician visits, according to a new analysis by the University of Pittsburgh Graduate School of Public Health and Johns Hopkins University.
This “spillover effect,” explained in a study published online today and scheduled for the December issue of the journal Pediatrics, demonstrates that the potential benefits of Medicaid expansion extend beyond the newly covered adults.
“These findings are of great significance given the current uncertainty surrounding the future of the ACA and Medicaid expansions authorized by the law,” said senior author Eric T. Roberts, Ph.D., assistant professor in Pitt Public Health’s Department of Health Policy and Management. “Lawmakers crafting policy proposals that could curtail Medicaid benefits or eligibility should recognize that such efforts would not just limit the receipt of health care services by low-income adults, but also by their children.”
The ACA provided states the opportunity to expand Medicaid coverage to all low-income people at or below 138 percent of the federal poverty level. So far, 31 states and the District of Columbia have expanded Medicaid coverage.
Roberts and his colleagues identified 50,622 parent-child pairs from data collected in the 2001 through 2013 Medical Expenditure Panel Surveys, a nationally representative survey administered by the U.S. Department of Health & Human Services that includes detailed information on family structure and demographics, including health insurance status and health care use.
They discovered that children of parents who had recently enrolled in Medicaid had a 29 percent higher probability than children of unenrolled parents of receiving their well child visit, which is recommended annually for children age 3 and older, and more frequently for infants and toddlers.
During the visits, the children are examined for growth and development and given immunizations, and their caregivers are guided on proper nutrition and child behaviors. Studies have shown that children who get well child visits are more likely to receive all their immunizations and less likely to have avoidable hospitalizations. The U.S. has persistently low rates of well child visits, particularly in low-income families.
“There are many reasons that parental Medicaid coverage increases the likelihood of well child visits for their children,” said Roberts. “It could be that insurance enhances the parents’ ability to navigate the health care system for themselves and their children, increasing their comfort in scheduling well child visits. Medicaid enrollment could be a sort of ‘welcome mat,’ in which eligible but previously uninsured children are enrolled after their parents gain coverage. It also could be that parental Medicaid coverage frees up more money to provide preventive services to their children, because even copays can be a deterrent to medical care among low-income people.”
Maya Venkataramani, M.D., is lead author on this research, and Craig Evan Pollack, M.D., M.H.S., is a coauthor. Both are from the Johns Hopkins University School of Medicine.
Fearless: How One Financial Expert Faced Her Fear Of Public Speaking
When you are on a collision course to face your fears in order to achieve your future career goals, what will you do? Do you run and hide, drag your feet and hope things will blow over, or will you dawn your Super Woman cape and address the elephant in the room?
Today’s woman wears many hats and it should come as no surprise that with all of the role-changes, fear and anxiety can be a bit challenging for some. Add to that a career path that is rooted in public speaking and you could have a recipe for disaster as the challenges faced with respect to public speaking are high. Communication, in general, tends to be challenging for women on both a personal and professional level for various reasons, but why do we seem to struggle a bit more with public speaking?
Sweaty palms, a racing heart, or feeling like a frog is lodged in your throat. Those psychosomatic symptoms can be a real bummer and for many women, they never achieve their full potential due to their overwhelming fear of public speaking. To shed light on this common problem, we turned to financial expert and two-time New York Times bestseller, Pamela Yellen, who knows all too well about overcoming the fear of public speaking.
We wanted to know how someone who had garnered enough support to raise $25,000 in funds for the American Cancer Society and was fearless enough to dawn a gold-sequined leotard while riding on an elephant struggled with fear and anxiety that almost halted her career pursuits. “You can be a risk taker and still be afraid to get up in front of more than a couple of people.”
Despite the risks Pamela has taken in her life, it wasn’t until she decided to go in a different direction and develop a more professional career as a financial services consultant and public speaker that she was prompted to deal with her “paralyzing stage fright.” Once she conquered her fears, she went on to help others face their fears relating to financial security and grace us with Bank on Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future and The Bank On Yourself Revolution: Fire Your Banker, Bypass Wall Street, and Take Control of Your Own Financial Future.
To help quell her fears and set her on the path to success, Pamela got busy and ushered in the help of a mentor. When asked if she felt like the mentoring approach and feedback would have set her on a different path had her mentor been a female, she chuckled, “I guess we’ll never know, but I will tell you that I was a bit intimidated by him and he was a very strong, demanding, no-nonsense kind of guy. I think maybe I needed that [approach] at that time.” She also acknowledges her abilities to develop and lead people to reach their potential, developing strategies to avoid foreseeable obstacles, and her natural curiosity to challenge conventional wisdom as key strengths that have contributed to her success.
So what do you do when all eyes are on you and it seems as if the world is judging you? According to Pamela, “You can choose are you gonna sit there and stand there and worry about what they’re gonna think about you or are you going to focus on the fact that you have value to give them.”
Having a clear focus is important when taking on any task, especially something as intimidating as public speaking.Once you choose to change your focus to the value that you bring to your client or an audience, you can begin to approach public speaking differently. Of course, this doesn’t mean that you will never have a nervous moment again. Pamela stated she “still gets plagued by a lack of confidence every now and then” but despite a few hang-ups, she has still persisted and has been quite successful in pursuing her goals.
Speaking of womanhood, we would be remiss not to address the obstacles faced by women in addition to the generalized fear many have regarding public speaking. How does one persist when it seems like odds are stacked against women? Being a woman has made her somewhat of an easier target to negative criticism and has been a cause of hesitancy along her journey.
Given many of the patriarchal norms and stereotypes assigned to women that continue to shape much of society, it’s easy to see how despite all of her success, remnants of fear and anxiety can still rear their ugly head. There is little doubt that being a woman presents its own set of problems when speaking out and sometimes against the status quo.
When asked about her thoughts on being a woman in such a male-dominated field, Pamela stated, “people attack me regularly because I go against the conventional financial wisdom.” She also offered an inspiring quote from her mentor, Dan Kennedy, “It’s been so profoundly powerful for me ‘If you’re not offending someone by noon every day then you’re not doing much.'” Despite her critics, like a true superhero, Pamela still persists and we are thankful for it.
Switching gears, the interview would not have been complete without garnering some financial advice from the guru herself. Money and financial security or lack thereof can be a great cause of fear and anxiety for anybody. Understanding that a large part of overcoming fear or anxiety involves doing something different, rather it be challenging yourself or learning something new. Pamela’s book encourages you to do both.
With no regard to socio-economic status, age, or income, Bank On Yourself allows consumers to achieve their goals and take control of their financial situation by avoiding Wall Street while challenging financial institutions and their tactics.
While different groups have benefited from Pamela’s books, advice, and financial expertise; by far the group that has benefited the most have been the baby-boomer generation. “I think a lot of baby boomers and women have benefited from my books because the baby-boomers are the ones or the group that no longer has guaranteed pensions from their companies and their basically on their own to save for their own retirement.” For those still reeling from the Recession, looking to recover from slow economic growth, or gain financial freedom Pamela advises “if you’re not comfortable with the idea of never being sure that you’ll have you know a certain amount of money for retirement you need to look at safe and guaranteed methods of saving for retirement.”
Rather it is public speaking, finances, or career guidance; no matter how successful, when it comes to certain things, fear and doubt can set in and if left unaddressed will find a permanent home in our lives. To learn more about some of these safe financial methods and get a free and safe wealth building report, you can visit www.bankonyourself.com.
Ninety-Two Percent of Caregivers Are Financial Caregivers
A Merrill Lynch study, conducted in partnership with Age Wave, finds that the 40 million family caregivers in the U.S. spend $190 billion per year on their adult care recipients. Despite the financial, emotional and functional challenges in this life stage, preserving the dignity of their loved one is their primary goal. The vast majority of caregivers (91 percent) are grateful they could be there to provide care, and 77 percent say they “would gladly do so again.”
“As tens of millions of people take on caregiving responsibilities each year, supporting those caring for our aging population has become one of the most pressing financial issues of our lifetime”
Family caregivers are America’s other social security, providing the bulk of long-term care today. The aging of the baby boomers will result in unprecedented numbers of people in America needing care. As a caregiving crunch is upon us, “The Journey of Caregiving: Honor, Responsibility and Financial Complexity” offers an in-depth look at Americans’ financial and emotional journeys during this life stage. This study marks the beginning of a new, multiyear research series from Merrill Lynch and Age Wave that will examine five distinct life stages: early adulthood, parenting, caregiving, widowhood, and end of life.
As the first of the series, this study examines the responsibilities, sacrifices, and rewards of caregiving – a life stage that nearly all Americans will participate in, as a caregiver, care recipient or both. This study comprehensively explores the topic of financial caregivers – a role largely unexamined, yet held by 92 percent of caregivers. Financial caregiving involves contributing to the costs of care and/or coordinating or managing finances for a care recipient.
The study is based on a nationwide sample of more than 2,200 respondents, including 2,010 caregivers. Key findings about their caregiving journey include: Paying bills from their recipient’s account (65 percent), Monitoring bank accounts (53 percent), Handling insurance claims (47 percent), Filing taxes (41 percent), Managing invested assets (21 percent).
- Much more than hands-on care. Providing emotional support (98 percent), financial caregiving (92 percent), household support (92 percent) and care coordination (79 percent) far outweigh physical care (64 percent).
- Financial costs – with little discussion of their ramifications. Seventy-five percent of financial contributors and their care recipients have not discussed the financial impacts of these contributions.
- Caregiving for a spouse vs. for a parent. A spouse is 3.5 times more likely to be the sole caregiver looking after a care recipient and is more likely to spend more out of pocket on care-related costs. Their caregiving journey is also different in terms of the obligations and financial interdependencies they hold with their loved one.
- Caregiving gender gap. Both for cultural and biological reasons, women are more commonly caregivers for spouses and parents, averaging six years of caregiving in their lifetime versus four years for men. As a result, women are disproportionately impacted by the challenges of caregiving, including struggling to balance responsibilities and making career sacrifices. And then, more find themselves alone and without someone to care for them when needed.
- Responsibilities extend beyond the care recipient’s life. Sixty-one percent of the time, caregivers expect their role will end with the death of their loved one. However, the complexities of financial, legal, and other aspects of caregiving often continue for months or even years.
“As tens of millions of people take on caregiving responsibilities each year, supporting those caring for our aging population has become one of the most pressing financial issues of our lifetime,” said Lorna Sabbia, head of Retirement and Personal Wealth Solutions for Bank of America Merrill Lynch. “Greater longevity is going to have a profound impact on the caregiving landscape and calls for earlier, more comprehensive planning and innovative solutions to address the health and long-term care needs of our loved ones.”
Financial caregiving: Navigating complexity and responsibility
The study finds that 92 percent of caregivers are also financial caregivers, and are contributing to and/or coordinating finances for their loved one. In fact, after two years of receiving care, 88 percent of care recipients are no longer managing their finances independently.
Financial caregiving is often far more complex than simply contributing to the recipient’s care. Financial caregivers are responsible for a wide variety of tasks, including:
- Health care rises as top challenge. Respondents find that navigating health insurance expenses is the top challenge of financial caregiving (57 percent).
- Uncharted territory. An estimated 49 percent of financial caregivers don’t have the legal authorization to perform their role.
- Guidance and resources lacking. Sixty-six percent of caregivers feel they could benefit from financial advice.
Costs and compensations of caregiving
While some aspects of caregiving may feel like a burden, those surveyed also tell us it is a blessing. Contrary to all we hear about the stress and sacrifices of caregiving, for many caregivers, the role is also often associated with a range of positive experiences and rewards. Caregivers describe a complex, demanding yet often nourishing journey – defined by honor, gratitude, fulfillment, purpose, and strong family bonds.
- Nearly three quarters of respondents say they’ve made numerous sacrifices as a caregiver – whether familial or professional.
- Fifty-three percent have made financial sacrifices to compensate for caregiving expenses. Thirty percent of caregivers say that they have had to cut back on expenses, and 21 percent have had to dip into personal savings.
- Two in five caregivers under the age of 64 have made sacrifices at work due to caregiving responsibilities, including reducing their hours (17 percent) and leaving the workforce (16 percent).
- Caregivers feel rewarded knowing they are doing something good for someone they love – 61 percent say the greatest benefit of providing care is the sense that they have “done the right thing.”
- Seventy-seven percent say they would gladly take on being a caregiver for a loved one again.
- Forty percent report a strengthened bond between themselves and the care recipient, and 24 percent say caregiving brought their family closer together.
- Eighty-six percent say watching their loved one’s health struggle was a motivator that caused them to place more value on taking care of their own health.
“Caregiving is one of today’s most complex life stages, throughout which hard work, high stress and heavy obligations intertwine with honor, meaning and resilience,” said Ken Dychtwald, Ph.D., CEO and founder of Age Wave. “This experience becomes even more emotionally complex and financially challenging when caring for loved ones suffering from dementia or Alzheimer’s. Even with that added burden, this study reveals that 65 percent say that being a caregiver brought purpose and meaning to their life.”
The crucial role of employers
Employers can play an integral role in supporting caregiving employees during this demanding life stage. While 84 percent of employers say caregiving will become an increasingly important issue in the next five years, only 18 percent strongly agree that their workplace is currently “caregiving-friendly”– underscoring the need for new approaches and solutions across the workforce.
“Meaningful, well-designed employer benefits can make a crucial difference in helping caregivers navigate the high stress of caring for a loved one and help them balance these responsibilities with the rest of their working and financial lives. Just as child care has been an issue in the past that led to revolutionizing HR benefits, the aging of the population means we need to consider how caregiving is becoming an increasingly important issue for employers and employees,” said Kevin Crain, head of Workplace Solutions for Bank of America Merrill Lynch. “These should include resources and programs focused on addressing caregiving complexities and employee networks that facilitate support from experts and peers.”
According to Crain, “Bank of America Corporation is committed to meeting the needs of caregivers in today’s transforming world. Companywide initiatives dedicated to addressing the needs of our country’s aging population and those of their caregivers include combatting elder financial fraud, increased awareness of cognitive decline and Alzheimer’s disease, and implementing caregiving best practices through training and resources for its financial advisors and corporate clients. The company supports our employees who are caregivers through a variety of resources including access to emergency back-up care for adults and children, professional elder care assessments, elder care law services, and an internal Parents and Caregivers employee network.”
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Parental Medicaid Expansion Translates into Preventive Care for their Children
When low-income parents enroll in Medicaid through the Affordable Care Act (ACA) state expansion program, their children have considerably better odds of receiving annual...
Fearless: How One Financial Expert Faced Her Fear Of Public Speaking
When you are on a collision course to face your fears in order to achieve your future career goals, what...
Ninety-Two Percent of Caregivers Are Financial Caregivers
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