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Poverty Reduction Is Not the Whole Story (2024)

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A journal article, Poverty Reduction is Not the Whole Story: The COVID-19 Pandemic Response in Relation to Material Hardship, by Patrick Meehan and Trina Shanks of the School of Social Work, University of Michigan, published in the Journal of Family and Economic Issues (2024) 45:458–469. The authors use the Ypsilanti COVID-19 Study, a cross-sectional survey of 609 residents taken during the summer of 2020, and logistic regression models of bill-paying and food hardship. The abstract reports that disruptions to household finances, particularly job loss, significantly increased the likelihood of both hardships, that hardship type did not predict applying for SNAP or UI, and that UI was less accessible to low-income individuals experiencing hardship. The article reviews research on poverty measures and material hardship, sets out two research questions, and closes with its reference list.

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Journal of Family and Economic Issues (2024) 45:458–469
https://doi.org/10.1007/s10834-023-09907-x

    ORIGINAL PAPER



Poverty Reduction is Not the Whole Story: The COVID‑19 Pandemic
Response in Relation to Material Hardship
Patrick Meehan1         · Trina Shanks1

Accepted: 1 May 2023 / Published online: 16 May 2023
© The Author(s), under exclusive licence to Springer Science+Business Media, LLC, part of Springer Nature 2023


Abstract
As an absolute measure of deprivation poverty fails to capture the impact pandemic-related disruptions had on households.
In this study, we use data from the Ypsilanti COVID-19 Study, a cross-sectional survey of 609 residents taken during the
summer of 2020, to control for pandemic-related disruptions on bill-paying and food hardship. Using logistic regression
models in which specific forms of bill-paying (i.e. late paying rent, late paying utilities) and food hardships (i.e. eating
less over 7 days, worried food will run out) served as dependent variables, we find that disruptions to household finances,
particularly job loss, significantly increased the likelihood of experiencing bill-paying and food hardship, respectively. Our
study also controls for the type of hardship experienced to see which strategies households employed during the pandemic
to exit material hardship. Through logistic regression models on methods of exiting material hardship, we find the type of
hardship experienced was not predictive of applying for either SNAP or UI. Moreover, we find UI was less accessible to
low-income individuals experiencing hardship. The findings from our study elaborate the relationship between pandemic-
related disruptions and material hardship, and indicate to policymakers that preventing hardship in the first place is much
more meaningful to households than attempting to use policy to bring households out of hardship once they experience it.

Keywords COVID-19 · Material hardship · Poverty · Food insecurity · Rent · Utilities


Introduction                                                                 O’Reilly (2020) observes that COVID-19 was not “an equal
                                                                             opportunity pandemic” (p. 12). Rather, those impacted the
Almost three years on, there has been considerable research                  most were “the most marginalized” (p. 12). Gupta et al.
that the COVID-19 pandemic response worked well to keep                      (2020) found in their nationally representative survey of
families from falling into poverty. The combination of Eco-                  adults in September 2020 that four in ten families of color
nomic Impact Payments and the Pandemic Unemployment                          reported food insecurity in the prior 30 days, triple the rate
Compensation program not only kept families from falling                     of White families, and that more than three in ten families
into poverty (Han et al., 2020; Karpman & Zuckerman,                         of color worried about having enough to eat.
2021; Parolin et al., 2020), but actually increased house-                      Consequently, many observations on the policy response
hold incomes above replacement wages, particularly for                       to COVID-19 have focused not on poverty, which is an abso-
low-income families (Ganong et al., 2020). Material well-                    lute measure of well-being, but rather on material hardship.
being mirrored the policy response such that the expiration                  Heflin et al. (2009) conceive of material hardship as the abil-
of pandemic-related changes to Unemployment Insurance                        ity of households to meet basic necessities such as food,
(UI) in September 2020 led to increased food insecurity and                  shelter, and medical care. The traditional poverty measure
housing hardships (Cooney & Shaefer, 2021).                                  ignores these forms of consumption. With respect to food,
   Substantial variation existed in the pandemic experiences                 Schanzenbach (2020) defines food insecurity as the inability
of people of color and households with children at the time.                 to have “consistent, dependable access to enough food to live
                                                                             an active, healthy lifestyle” (p. 2). Accordingly, Schanzen-
* Patrick Meehan                                                             bach and Pitts (2020) observe that in the early months of the
  pjmeeh@umich.edu                                                           pandemic, food insecurity tripled among households with
                                                                             children. Keith-Jennings et al. (2021) similarly observe food
1
     School of Social Work, University of Michigan, Ann Arbor,               hardship in Black and Latino households (see also Karpman
     MI, USA


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Journal of Family and Economic Issues (2024) 45:458–469                                                                      459


et al., 2020). In March 2021, these households were more          of household consumption (Farrell et al., 2020; Han et al.,
than twice as likely as White adults to report that their         2020) that respond much more abruptly to changes in cir-
household did not get enough to eat in the last seven days.       cumstance than can be captured from an annualized measure
   These accounts suggest that far from holding hardship          of poverty (Heflin, 2016; Heflin & Butler, 2012).
at bay, the policy response was inadequate to keep families          In the early months of the pandemic there was a focus on
with children from suffering during the pandemic. Elliott         changes in household circumstances was appropriate. For
et al. (2021) similarly find in their sample of mothers and       example, Despard et al. (2020) observed in their nationally
grandmothers that COVID increased household expenses,             representative sample from April to May 2020 that house-
particularly for those “with more people at home all day”         holds experiencing COVID-related job loss were two to
(p. 4).                                                           three times more likely to experience hardships such as diffi-
   In this study, we revisited the summer of 2020 to bet-         culty paying for housing and putting off medical care. Using
ter understand how pandemic-related disruptions impacted          data from the Well-Being and Basic Needs Survey, Karpman
material hardship for vulnerable households. We used data         and Zuckerman (2021) identified that respondents whose
from the Ypsilanti COVID-19 Study to measure the impact           households lost jobs during the pandemic were nearly three
of COVID-19-related disruptions on two specific types of          times as likely to report problems paying utilities, and nearly
material hardship—bill-paying and food security—among             four times as likely to report problems paying their rent or
an over sample of people of color, low-income households,         mortgage than respondents who did not lose jobs. Schanzen-
and families with children. We further considered strate-         bach (2020) separately found that among respondents to the
gies households experiencing hardship took to access the          Household Pulse Survey from the U.S. Census Bureau, 21%
safety net or earn extra money. We found people of color,         of those who lost jobs during COVID-19 reported not having
low-income households, and families with children were            enough to eat.
indeed more likely to experience hardship, and that dis-             Recognizing that the poverty measure, as designed, was
ruptions to household finances were more associated with          unresponsive to the onset of the pandemic, several research-
food and bill-paying hardship than disruptions to health or       ers attempted to perform updates in real time to demon-
household composition. And despite its fanfare as a bulwark       strate pandemic-related deprivation and the responsiveness
against increased poverty during the pandemic (Ganong             of public policy. Han et al. (2020) use a question on the
et al., 2020), we found that UI was less accessible to low-       total cash income for the householder’s family for the previ-
income households experiencing hardship. The results of           ous 12 months on the Basic Monthly Current Population
this study provide new insight on the impact of pandemic-         Survey and compare that to official poverty thresholds to
related disruptions on material hardship that can inform the      calculate the monthly poverty rate from January to Decem-
policy response in the future. Far from staving off hardship,     ber 2020. Parolin et al. (2020) use the same data to cre-
the pandemic response in the U.S. left people of color and        ate their own monthly poverty measure for October 2019
families with children hungry and unable to pay their rent        to September 2020, based on projections of a family unit’s
and utilities.                                                    monthly resources. Parolin and colleagues use their derived
                                                                  measure to show policies from the CARES Act—the Eco-
                                                                  nomic Impact Payments and the Pandemic Unemployment
Literature                                                        Program—blunted a rise in poverty until the expiration of
                                                                  the $600 weekly UI supplement at the end of July 2020.
To understand how the pandemic response prevented pov-               Even these adjustments to poverty calculations, though,
erty but nevertheless contributed to hunger and hardship it       obfuscate the disruption the pandemic caused families.
is necessary to explain the difference between poverty and        Elliott et al. (2021) interview 54 mothers and grandmoth-
material hardship. The federal poverty measure calculates an      ers in North Carolina to better understand their experience
“Economy Meal Plan” for a given family size multiplied by         navigating the social safety net at the height of COVID-19.
three (Heflin et al., 2009, p. 747). Everyone under the thresh-   They find nearly all of their subjects’ household bills had
old is poor while everyone over is not, regardless of the cost    increased with more people at home, making the usual
of living, or the fact that groceries account for far less of a   strategies for stretching food out for the month less effec-
household’s budget than was the case when the measure was         tive. Mothers were the most unsung of all the heroes of
created in 1963. In this way, household income is treated         the pandemic, according to O’Reilly (2020), who writes,
as an absolute barometer of deprivation. Material hardship,       “no one is recognizing let along supporting mothers as
on the other hand, recognizes income as instrumental to           frontline workers or acknowledging and appreciating what
deprivation, but that deprivation itself is experienced when      mothers are managing and accomplishing in their homes
basic needs such as food, shelter, and medical care go unmet      under unimaginable circumstances” (p. 12). Monte (2020)
(Heflin et al., 2009). These basic needs represent patterns       uses data from the Household Pulse Survey to note that in

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460                                                                              Journal of Family and Economic Issues (2024) 45:458–469

the early months of the pandemic adults living with chil-              All of this is to suggest that each pandemic-related dis-
dren were more likely to report not having enough to eat            ruption may not have contributed equally to each house-
than adults not living with children. In this context, SNAP         hold hardship. Using data from the Survey of Income and
was much more helpful to families during the pandemic               Program Participation, Heflin (2016) finds that job loss,
than the $600 UI supplement (Elliott et al., 2021; Hembre,          controlling for other forms of disruption, predicts both
2020; Moffitt & Ziliak, 2020).                                      bill-paying and food hardships. Given the eviction mora-
    Parolin (2021) also observes that people of color can           toria in place during the pandemic, though, job loss may
question the poverty-reducing accomplishments of the                have had no relationship to late or missed rent payments
pandemic response. For example, “72% of families report             (see Despard et al., 2020). Similarly, it may be an oversim-
that they also experienced food insufficiency prior to the          plification to associate pandemic-related job loss with food
onset of the pandemic” (p. 1). Indeed, using Household              insecurity (see Karpman & Zuckerman, 2021; Schanzen-
Pulse Survey data Keith-Jennings et al. (2021) find that            bach, 2020) without controlling for additional factors such
one-fifth of children in Black and Latino households did            as pandemic-related changes in health or household com-
not have enough to eat in the last seven days, three times          position. No study has previously attempted to disentangle
the rate of White children. Pandemic-related jobs losses            the impact COVID-related disruptions had on bill-paying
were highest among Latino households, while Black                   and food hardships, respectively.
households were significantly more likely than White                   In a similar fashion, each policy response to the pan-
households to have difficulty making housing and other              demic may have distinct relationships to multiple hard-
bill payments (Despard et al., 2020).                               ships. Heflin and Butler (2012) find that the distinctiveness
    Deprivations such as missed or delayed payments and             of bill-paying and food hardships, respectively, influences
food insecurity in the spring and summer of 2020 are                the strategies households use to exit them (see also Heflin
understood to be related to COVID-19. But the sheer vast-           et al., 2011). Food hardships can be massaged, they find,
ness of the disruption the pandemic wrought—job losses,             through the stretching of groceries and the foregoing of
household composition changes, health complications,                meals in ways that bill-paying hardships cannot. In this
etc.—obscures precisely which disruptions were most                 way, the existence of eviction moratoria in the first year
meaningful to household hardships. Identifying the rela-            of the pandemic may have allowed families to triage their
tionship between specific forms of disruption to specific           bill-paying hardships in favor of food in ways not possible
forms of hardship is not a picayune exercise; it is vital to        before the pandemic. This policy response may have been
our understanding of the effectiveness of the pandemic              particularly helpful for households not otherwise eligible
response.                                                           for the expanded UI benefits.
    Heflin and Butler (2012) speculate that bill-paying                Given that the inaccessibility of expanded UI ben-
hardships and food hardships represent distinct constructs          efits to low-income families was recognized at the time
that cannot be reduced to a unidimensional understanding            (Han et al., 2020; Moffitt & Ziliak, 2020), caution is war-
of hardship. Food hardships are distinct from bill-paying           ranted in ascribing too much credit for their ability to pull
hardships for a variety of reasons according to Heflin et al.       households out of hardship. In other words, the success
(2009). First, more so than bill-paying, food consumption           of expanded UI benefits may have depended on the spe-
is sensitive to income fluctuations. Second, food hardships         cific hardships households faced among those eligible to
vary in their duration, from a few days to a few months             receive them (see also Ganong et al., 2020).
in most cases. Third, food hardships can be concentrated
within different members of the household. Caregivers, for
example, can go without food in favor of their children in
a way that cannot be done with bill-paying. For their part,         Research Questions
Heflin et al. suggest bill-paying hardships may be distinct
from food hardships because the processes resulting from            Using Heflin’s (2016) multidimensional understanding of
an inability to pay basic bills are themselves unique. The          material hardship, our first research question is as follows:
first missed payment, for example, either for rent or utilities,    which pandemic-related disruptions were associated with
rarely results in catastrophic consequences, and households         food and bill-paying hardships, respectively?
can negotiate their payments before the consequences begin             Conceiving of these hardships as distinct experiences,
to escalate. In the early months of the COVID-19 pandemic           our second research question is as follows: did those expe-
many states and the Centers for Disease Control had insti-          riencing food or bill-paying hardship use distinct strategies
tuted eviction moratoria. This may have given households            to exit hardship?
the flexibility to relax their bill-paying priorities in favor of
food.


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Journal of Family and Economic Issues (2024) 45:458–469                                                                   461


Data and Methods                                                rate of 13.1%. The response rate for the rest of the sam-
                                                                ple is harder to calculate because the research team was
Our data came from the Ypsilanti COVID-19 Study, a              unaware of the number of potential respondents on the
cross-sectional needs assessment of residents taken in          various non-profit listservs that emailed invitations. The
the summer of 2020. A local human service organization          average age of respondents in the entire sample was 37.7
spearheaded the project, which eventually came to include       (SD 11.1). The sample was 74.3% female, 51.8% White,
the Washtenaw County Racial Equity Office, and faculty          33.4% Black, 11.6% Latinx, and 56.7% of respondents had
of a research university in the area. The human service         household incomes below $40,000 in 2019. The character-
organization provided direct service to residents of the        istics of the sample over fit for race and income compared
Ypsilanti Housing Commission, the city’s public housing         to the Ypsilanti population in general, which in 2020 was
authority. The organization had a strong desire to know the     26.5% Black and 6.0% Latinx, respectively, with a median
prevalence of COVID-19 among residents and additional           household income of $40,028 (U.S. Census Bureau, 2020).
services they may need at a time when the city lacked a
COVID-19 testing center. Members of the partnership col-        Pandemic‑Related Disruptions
laborated on the survey instrument and considered many
ways to measure not only the presence of COVID-19, but          Heflin (2016) identifies disruptions in employment and
its impact on individuals and families. The language for        income, household composition and residence, and health
many of the survey items was taken from the Detroit Metro       as potential contributors to a multidimensional understand-
Areas Communities Study, which was concurrently field-          ing of material hardship. The COVID-19 pandemic touched
ing a rapid-response survey to Detroit area residents on        each of these forms of disruption, and each was a focus of
similar topics. The involvement of the Washtenaw County         the survey instrument.
Racial Equity Office was particularly valuable in crafting
items that spoke to racial disparities in the ability to work   Housing Disruptions
from home, knowledge of individuals with COVID-19,
attitudes toward the (eventual) vaccines, as well as the        One item was used to indicate disruptions to housing cir-
responsiveness of elected officials to the pandemic. In         cumstances and household composition. It read, “Since the
the immediate aftermath of George Floyd’s murder, the           COVID-19 pandemic began in the U.S. (around March 1,
partnership also included survey items on attitudes toward      2020), have any of the following changes taken place in your
law enforcement. Because no identifying information of          living arrangements (select all that apply)?” Answer choices
respondents was collected, the survey instrument and data       included (1) I moved to a new place to live, (2) someone
collection procedures were deemed exempt by the institu-        moved into my household, (3) someone moved out of my
tional review board of the participating university.            household, (4) no changes. Each of these answer choices was
   The survey instrument was administered through Qual-         dichotomized as unique indicators of housing disruptions
trics. To make it as accessible to as many residents as pos-    related to COVID-19.
sible, the research partnership created a Spanish-language
version of the instrument that respondents could elect to       Health Disruptions
answer.
   Respondents to the survey were a non-probability sam-        Three items were used to indicate disruptions to health. The
ple of Ypsilanti residents. The research partnership met        first asked respondents if they had been tested for COVID-
with representatives of several non-profit organizations        19. Testing at the time of data collection was not easily
serving the Ypsilanti community, who agreed to email an         accessible in Ypsilanti, so individuals to be tested were most
invitation to participate in the study to their respective      likely experiencing COVID-related symptoms. The second
listservs. Residents of the Ypsilanti Housing Commission        asked respondents if a friend or family member had COVID-
also received an email invitation to participate. In adher-     19. The third asked respondents if they knew someone who
ence to equitable research practice, respondents received       died from COVID-19. These two questions indicated some
a $20 incentive for completing the survey.                      degree of exposure to COVID that may have impacted the
   Data collection occurred between June 12 and August          individual enough to change their behavior.
21, 2020. A total of 676 surveys were started. Of these,
there were 609 usable responses. There were approxi-            Financial Disruptions
mately 1,000 Ypsilanti Housing Commission residents
during the period of data collection. We received 131           Three items were used to indicate disruptions to household
responses from individuals in this group, for a response        finances. The first asked respondents to indicate their cur-
                                                                rent employment status. Their answer choices were (1) I am


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462                                                                              Journal of Family and Economic Issues (2024) 45:458–469

still working in the same job I had before the COVID-19             the pandemic’s potential impact on food insecurity in the
pandemic, (2) I lost my job and am looking for work, (3)            short term.
I have been temporarily laid off from the job I had before
the COVID-19 pandemic, (4) I am on sick leave or other              Exit Strategies
leave from the job I had before the COVID-19 pandemic,
(5) I am now working at a different job than I had before the       Despite being a cross-sectional survey, data collection for
COVID-19 pandemic, (6) other. Our analysis dichotomized             the Ypsilanti COVID-19 Study occurred at such a time
those who had lost their job and were looking for work, and         (June–August 2020) that respondents could reasonably be
all other respondents. The second item asked respondents,           expected to (1) accurately recall their circumstances before
“Has the COVID-19 pandemic affected how you are spend-              the pandemic (around March 1, 2020), as well as to (2) be
ing money?” Respondents could answer (1) Yes, I have been           aware of and utilize pandemic-related programs passed
spending a lot more money, (2) Yes, I have been spending a          under the CARES Act such as the Economic Impact Pay-
little more money, (3) Yes, I have been spending a little less      ments and the Pandemic Unemployment Compensation.
money, (4) Yes, I have been spending a lot less money, or
(5) No, I have not changed the amount I spend. Our analysis         Social Program Participation
dichotomized those who indicated their spending increased
a little or a lot, and all other respondents. The third item was    Heflin et al. (2011) conceive of social programs such as
identical to the second, except that it asked about borrowing.      those passed under the CARES Act as potential exit strate-
Similarly, our analysis dichotomized those who indicated            gies from hardship. One item was used to indicate social
their borrowing had increased a little or a lot, and all other      program participation as an exit strategy from material hard-
respondents.                                                        ship. It reads, “Since March 1, 2020, have you received any
                                                                    of the following forms of public assistance or emergency
Bill‑Paying Hardship                                                safety net services (select all that apply)?” Respondents
                                                                    had 11 answers choices, among which were SNAP or Food
One item was used to identify bill-paying hardship modeled          Stamps, and Unemployment Insurance (UI) benefits. Each of
after Heflin et al. (2009). It reads, “Since March 1, 2020,         these was dichotomized to indicate their participation since
have you been late paying for any of the following (select          the start of the pandemic.
all that apply).” Answer choices included (1) mortgage or
rent, (2) loans (e.g. student loans, car loan), (3) credit card,    Individual Strategies
(4) utility or water bill, (5) phone, internet, cable, (6) I have
not been late with any payments. We recorded respond-               Heflin et al. (2011) also recognized idiosyncratic strategies
ents who chose mortgage or rent or utility or water bill as         to exit material hardship that need to be accounted for in
experiencing utility hardship so that our analysis would be         relation to social program participation. One item was used
consistent with previous research on material hardship, and         to indicate individual strategies to exit material hardship.
because rent and utilities were qualitatively more important        It reads, “Since the start of the pandemic (around March 1,
to respondents than the other answer choices.                       2020), have you been paid for any of the following activities
                                                                    (select all that apply)?” There were 7 answer choices avail-
                                                                    able to respondents. Our analysis considers three: (1) child
Food Hardship
                                                                    or elder care services, (2) housecleaning, and (3) driving or
                                                                    ride-sharing such as Uber or Lyft. Each of these was dichot-
Two items were used to identify hardships related to food
                                                                    omized to indicate their use since the start of the pandemic.
insecurity. The first asked respondents, “In the past seven
                                                                        Table 1 shares the characteristics of respondents to the
days, were you worried you would run out of food because
                                                                    Ypsilanti COVID-19 Study.
of a lack of money or other resources?” The second asked
                                                                        The analysis strategy for Research Question 1 followed
respondents, “In the past seven days, did you eat less than
                                                                    from Heflin and Butler (2012):
you thought you should because of a lack of money or other
resources?” For both questions, respondents could answer                (
                                                                           h
                                                                                )
                                                                    log           = 𝛽0 + 𝛽1 HSDi + 𝛽2 HLTH i + 𝛽3 FIN i + 𝛽4 Xi + ei
yes, no, or don’t know. Respondents were identified as expe-              1−h i
riencing food hardship if they answered yes to either ques-                    ( )
tion. This approach differs from Heflin and Butler (2012)           where log 1−h h
                                                                                       is the likelihood of experiencing material
                                                                                      i
who consider the volume of food consumed over the last              hardship (late paying rent, late paying utilities, eating less,
12 months. Framing food hardship consistently with Heflin           or worrying about food) for individual i ; HSDi is a vector of
and Butler, as well as Heflin et al. (2009), would obfuscate        variables capturing housing disruptions (i.e. moved to new


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Journal of Family and Economic Issues (2024) 45:458–469                                                                           463

Table 1  Sample characteristics (N = 609)                        Table 1  (continued)
Baseline characteristic                                   %      The average age of the sample was 37.7, with a standard deviation of
                                                                 11.1
Ypsilanti Housing Commission resident                     26.1
Disruptions to housing circumstances
                                                                 residence since COVID, another person moved in since
 Moved to new residence                                    8.0
                                                                 COVID, another person moved out since COVID); HLTH i
 Another person moved in                                   5.7
                                                                 is a vector of variables capturing disruptions to health (i.e.
 Another person moved out                                  4.6
                                                                 tested for COVID, friend or family member had COVID, and
Disruptions to health
 Tested for COVID-19                                      31.7
                                                                 know someone who died from COVID); FIN i is a vector of
 Friend or family member had COVID-19                     39.9   variables capturing disruptions to financial circumstances
 Know someone who died from COVID-19                      18.5   (i.e. lost job since COVID, spending since COVID, and bor-
Disruptions to household finances                                rowing since COVID), and Xi is a vector of demographic
 Lost job since COVID-19                                  25.9   variables (i.e. housing income, rent current residence, can
 Spending increased since COVID-19                        41.7   afford a $400 unexpected expense, age, race, any children in
 Borrowing increased since COVID-19                       23.3   the household, and overall health).
Demographics                                                         For Research Question 2 we modeled five different meth-
 Female                                                   74.3   ods for exiting material hardship, conditional on experienc-
 White                                                    51.8   ing hardship in the first set of models:
 Black                                                    33.4
                                                                      (        )
 Latinx                                                   11.6             y
                                                                  log             =𝛽0 + 𝛽1 Hi + 𝛽2 HSDi + 𝛽3 HLTH i
 All other races                                           3.2           1−y i
 Can afford $400 unexpected expense                       56.3
                                                                                           + 𝛽4 FIN i + 𝛽5 Xi + ei
 Rent current residence                                   57.3
 Any children in the household                            69.3
                                                                             (         )
                                                                 where log        y
                                                                                            is the likelihood of attempting one of the
Household income in 2019                                                         1−y   i
 $0–$9,999                                                13.7   five exit strategies considered— applying for SNAP or UI,
 $10,000–$19,999                                          12.2   and three different ways of earning extra money—and Hi is
 $20,000–$29,999                                          13.8   a vector of variables related to the type of hardship
 $30,000–$39,999                                          17.0   experienced.
 $40,000–$49,999                                          12.7
 $50,000–$74,999                                          14.6
 $75,000 or more                                          16.3
                                                                 Results
Overall health
 Excellent                                                15.4
 Very good                                                45.2
                                                                 Pandemic‑Related Disruptions and Material
 Average                                                  28.4
                                                                 Hardship
 Fair                                                      8.4
 Poor                                                      2.6   Table 2 shows the relationship of pandemic-related disrup-
Type of hardship                                                 tions to bill-paying and food hardship, respectively. Of the
 No hardship                                              49.4   various disruptions COVID-19 put households through,
 Bill-paying and food                                     23.6   disruptions to household finances had the most consistent
 Bill-paying only                                         12.8   relationship to both bill-paying and food hardships. The
 Food only                                                14.1   loss of one’s job since the start of the COVID-19 pandemic,
Bill-paying hardship indicators                                  for example, significantly increased the likelihood of being
 Late paying rent since COVID-19                          21.2   late with rent ( 𝛽 = 1.055, p < 0.000), being late with utili-
 Late paying utilities since COVID-19                     26.8   ties ( 𝛽 = 0.651, p < 0.007), eating less over the last 7 days
 Food hardship indicators
                                                                 (𝛽 = 0.753, p < 0.001), and worrying you might run out of
 Did you eat less last 7 days to save food?               30.9
                                                                 food ( 𝛽 = 0.618, p < 0.014), controlling for all other dis-
 Worried food will run out last seven days?               30.5
                                                                 ruptions and demographic characteristics. This finding was
Hardship exit strategies
                                                                 consistent with research from the early months of the pan-
 Applied for SNAP benefits                                38.7
 Applied for UI benefits                                  23.3
                                                                 demic (Despard et al., 2020; Karpman & Zuckerman, 2021),
 Earned money for childcare since COVID                    7.7   but with the benefit of controlling for additional forms of
 Earned money for housecleaning since COVID                8.7   disruption.
 Earned money for ridesharing since COVID                  7.1



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464                                                                                           Journal of Family and Economic Issues (2024) 45:458–469

Table 2  Logistic regression results for pandemic-related disruptions on food and bill-paying hardships
Variable                                   Late paying rent           Late paying utilities       Eat less last 7 days      Worried about food
                                           𝛽        SE        p       𝛽        SE       p        𝛽         SE       p       𝛽        SE       p

Disruptions to housing circumstances
Moved to new residence since COVID   0.082          0.412 0.842 0.069          0.389 0.859 0.362           0.383 0.345 − .557 0.419           0.184
Another person moved in since COVID  − .408         0.533 0.444 − 1.31         0.612 0.032 − .688          0.547 0.208 − .298 − .531          0.574
Another person moved out since COVID − 1.58         0.784 0.044 0.176          0.497 0.723 − .063          0.488 0.897 − .381 0.528           0.470
Disruptions to health
Tested for COVID                     0.546          0.275 0.047 − .085         0.264 0.748 0.161           0.258 0.533 0.934 0.261            0.000
Friend or family member had COVID    0.277          0.272 0.307 0.184          0.259 0.476 − .196          0.249 0.432 0.191 0.262            0.468
Know someone who died from COVID     0.125          0.312 0.689 0.105          0.299 0.726 − .225          0.308 0.467 − .305 0.310           0.325
Disruptions to household finances
Lost job since COVID                 1.055          0.254 0.000 0.651          0.242 0.007 0.753           0.236 0.001 0.618         0.251    0.014
Spending since COVID                 0.211          0.092 0.021 0.282          0.084 0.001 0.143           0.082 0.082 0.285         0.086    0.001
Borrowing since COVID                0.277          0.121 0.022 0.032          0.112 0.776 0.182           0.113 0.107 0.351         0.119    0.003
Demographics
Household income                     0.076          0.086     0.374   − .186 0.079      0.018     − .250 0.078      0.001   − .181   0.081    0.025
Rent current residence               0.670          0.324     0.039   0.101 0.293       0.731     0.224 0.289       0.438   0.532    0.306    0.083
Can afford a $400 unexpected expense 0.261          0.282     0.355   − .215 0.255      0.399     0.109 0.255       0.668   − .048   0.266    0.857
Age                                  0.011          0.012     0.362   0.012 0.012       0.304     − .002 0.011      0.845   0.010    0.012    0.411
Black                                0.802          0.307     0.009   0.643 0.274       0.019     − .304 0.279      0.276   0.269    0.286    0.347
Latinx                               1.236          0.375     0.001   0.965 0.356       0.007     1.513 0.348       0.000   1.759    0.368    0.000
All other races                      0.452          0.712     0.526   − 1.62 1.066      0.129     − .564 0.697      0.418   0.051    0.657    0.938
Any children in the household        0.235          0.318     0.459   1.314 0.321       0.000     0.704 0.281       0.012   1.011    0.312    0.001
Overall health                       − .106         0.146     0.468   0.025 0.134       0.851     0.261 0.129       0.043   − .054   0.138    0.695
N                                    521                              521                         515                       514

Bold values indicate p < .05


   Pandemic-related increases in spending was also related                     In contrast to disruptions in household finance, disrup-
to food and bill-paying hardship. It significantly increased                tions in housing circumstances decreased the likelihood
the likelihood of being late with rent (𝛽 = 0.211, p < 0.021),              of experiencing bill-paying hardship. For example, having
being late with utilities (𝛽 = 0.282, p < 0.001), and worrying              another individual in the household move out significantly
you might run out of food (𝛽 = 0.285, p < 0.001), controlling               decreased (𝛽 = − 1.58, p < 0.044) the likelihood of being late
for other factors, including the loss of one’s job. This finding            with rent, controlling for other factors. Having an individual
was consistent with Elliott and colleague’s (2021) sample of                move into the household significantly decreased (𝛽 = − 1.31,
mothers and grandmothers in North Carolina, and suggests                    p < 0.032) the likelihood of being late with utilities. Heflin
the pandemic interfered with established spending patterns                  (2016) found that the fluidity of household composition had
in ways that adversely affected both bills and food.                        different effects on hardship, and “may be a strategy that
   Our last measure of disruptions in household finances                    low-income households use in varying ways to meet compet-
concerned increased borrowing. It similarly cut across food                 ing demands” (p. 369).
and bill-paying hardship. Pandemic-related increases in bor-                   Finally, we considered disruptions to health related to
rowing significantly increased the likelihood of being late                 COVID-19. Of our three indicators, only testing for COVID-
with rent (𝛽 = 0.277, p < 0.022) and worrying you might run                 19 showed a relationship to material hardship. It was associ-
out of food (𝛽 = 0.351, p < 0.003), controlling for other fac-              ated with an increased likelihood of being late with rent (𝛽 =
tors. That increased borrowing should touch both bill-pay-                  0.546, p < 0.047), and worrying food will run out (𝛽 = 0.934,
ing and food hardship may suggest these individuals were                    p < 0.000), controlling for other factors. Our other measures
in more dire circumstances than other respondents. With                     of health disruptions were admittedly indirect, so it was
increased borrowing comes increased debt, which may have                    understandable these did not show a relationship to mate-
been a measure of last resort after having already been late                rial hardship. Testing’s relationship to material hardship may
with rent and worrying you might run out of food.                           suggest these individuals were genuinely sick, or that their



13
Journal of Family and Economic Issues (2024) 45:458–469                                                                      465

circumstances required them to go out more because they            the CARES Act did not address the issues that triggered the
had less ability to stay at home and wait out the pandemic.        hardship in the first place (Heflin & Butler, 2012).
   Importantly, certain demographic characteristics that               Disruptions in housing circumstances were associated
were constant throughout the pandemic showed strong asso-          with multiple strategies to exit material hardship, although
ciations with food and bill-paying hardship, controlling for       in conflicting ways. For example, moving to a new resi-
changes in circumstances. For example, higher household            dence ( 𝛽 = − 1.74, p < 0.001) and having an individual
incomes in 2019 significantly decreased the likelihood of          move out of the household significantly decreased ( 𝛽 =
being late with utilities ( 𝛽 = − 0.186, p < 0.018), eating less   − 1.80, p < 0.038) the likelihood of receiving SNAP. On the
over the last 7 days (𝛽 = − 0.250, p < 0.001), and worrying        other hand, those same disruptions were associated with an
food will run out ( 𝛽 = − 0.181, p < 0.025), controlling for       increased likelihood of earning money from childcare ( 𝛽
other factors. Race was also predictive of material hardship       = 1.88, p < 0.001 for moving to a new residence, 𝛽 = 2.14,
entry. Black respondents were associated with an increased         p < 0.033 for an individual moving out of the household).
likelihood of being late with rent (𝛽 = 0.802, p < 0.009) and      Also, moving to a new residence was also associated with an
being late with utilities ( 𝛽 = 0.643, p < 0.019), controlling     increased likelihood of earning money from housekeeping (𝛽
for other factors. Latinx respondents were associated with         = 1.29, p < 0.044). These results may be an indication that
an increased likelihood of being late with rent (𝛽 = 1.236,        for the respondents in our sample who experienced disrup-
p < 0.001), being late with utilities ( 𝛽 = 0.965, < 0.007),       tions in housing circumstances, these disruptions may have
eating less over the last 7 days ( 𝛽 = 1.513, p < 0.000), and      been conditional on their performing these additional tasks
worrying food will run out ( 𝛽 = 1.011, p < 0.001). These          for pay, perhaps at a relative or friend’s residence.
findings were consistent with Karpman et al. (2020), who               Disruptions in household finances were not predictive of
found Latino households to be the most disadvantaged early         receiving SNAP benefits. It may be that a substantial num-
in the pandemic. Lastly, it should be noted that having chil-      ber of our Ypsilanti Housing Commission respondents were
dren was also a source of bill-paying and food hardship.           already receiving SNAP prior to the onset of the pandemic
Having children was associated with an increased likelihood        and elected not to answer that item affirmatively on the
of being late with utilities (𝛽 = 1.314, p < 0.000), eating less   survey instrument. This would be consistent with Parolin
over the last 7 days ( 𝛽 = 0.704, p < 0.012), and worrying         (2021). Increased spending was associated with an increased
food will run out (𝛽 = 1.011, p < 0.001), controlling for other    likelihood ( 𝛽 = 0.437, p < 0.027) of earning money from
factors. These results were consistent with prior research         childcare. Table 3 also showed that losing one’s job did sig-
from the early months of the pandemic (Elliott et al., 2021;       nificantly increase the likelihood of receiving UI (𝛽 = 2.13,
Gupta et al., 2020; Keith-Jennings et al., 2021; Monte, 2020;      p < 0.000) for the respondents in our sample.
Schanzenbach & Pitts, 2020) and spoke to the challenges                Our results showed that the likelihood of receiving UI
families with children faced at this time.                         since the start of the pandemic significantly increased (𝛽 =
                                                                   0.298, p < 0.028) as household income increased, controlling
Hardship and Exit Strategies                                       for other factors. This was consistent with research from
                                                                   early in the pandemic that the expanded UI benefits were less
Table 3 shows the results of our models of exit strategies         accessible to low-income individuals who had lost jobs (Han
from material hardship. There was very little to suggest from      et al., 2020; Moffitt & Ziliak, 2020). The opposite relation-
our sample of Ypsilanti residents that the type of hardship        ship was found for SNAP. There, the likelihood of receiving
faced in the early months of the pandemic was predictive of        SNAP significantly decreased ( 𝛽 = − 0.237, p < 0.047) as
an individual’s exit strategy. Indeed, bill-paying hardship        household income increased. Black respondents were also
significantly decreased (𝛽 = − 1.68, p < 0.045) the likelihood     significantly more likely ( 𝛽 = 0.879, p < 0.021) to receive
of earning money from Uber or Lyft. Food hardship was not          SNAP since March 1, 2020, as were Latinx respondents (𝛽
predictive of any exit strategy. Heflin and Butler (2012) simi-    = 2.24, p < 0.000), and respondents with children (𝛽 = 2.01,
larly found difficulty predicting exit strategies based on the     p < 0.000), controlling for other factors. These findings were
type of hardship faced. They speculate that households expe-       all consistent with research that found SNAP to be the most
riencing food hardship alone were unlikely to recover due to       responsive safety net program during the pandemic (Hem-
poor household functioning. Heflin (2016) further found that       bre, 2020; Moffitt & Ziliak, 2020).
once a disruption occurs, households often “lack resilience
and have difficulty regaining equilibrium” (p. 370). In the
early months of the pandemic, the lack of a clear pathway
out of hardship once it was experienced suggested the Eco-
nomic Impact Payments and the expanded UI benefits under



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13

     Table 3  Logistic regression results on strategies to exit material hardship
     Variable                                       Applied for SNAP                Applied for UI           Childcare                 Housecleaning           Uber/Lyft
                                                    𝛽           SE        p         𝛽          SE     p      𝛽           SE     p      𝛽         SE     p      𝛽           SE     p

     Type of hardship
     Bill-paying only                               − .641      .391      .101      .542       .405   .181   .443        .601   .461   − .622    .609   .307   − 1.68      .841   .045
     Food only                                      − .550      .389      .158      − .341     .470   .468   .975        .595   .102   − .139    .544   .799   − .157      .520   .762
     Disruptions to housing circumstances
     Moved to new residence since COVID             − 1.74      .514      .001      .047       .564   .934   1.88        .575   .001   1.29      .642   .044   .368        .703   .601
     Another person moved in since COVID            − 1.33      .730      .068      − .502     .777   .518   1.23        .908   .175   .738      .841   .380   .311        .877   .722
     Another person moved out since COVID           − 1.80      .870      .038      − 2.10     1.19   .077   2.14        1.00   .033   1.07      1.05   .309   1.43        .966   .139
     Disruptions to health
     Tested for COVID                               − .752      .364      .039      − .532     .392   .175   .952        .522   .068   .405      .496   .414   .034        .558   .951
     Friend or family member had COVID              .211        .346      .540      .417       .375   .266   − .889      .533   .095   − .299    .514   .560   − 1.78      .633   .005
     Know someone who died from COVID               .688        .436      .114      − .200     .436   .646   .956        .522   .068   − .894    .649   .169   .592        .636   .352
     Disruptions to household finances
     Lost job since COVID                           − .527      .335      .116      2.13       .381   .000   − .012      .494   .979   .882      .464   .057   .335        .459   .465
     Spending since COVID                           .016        .113      .884      − .030     .122   .803   .437        .198   .027   .264      .173   .127   .278        .186   .136
     Borrowing since COVID                          .108        .138      .436      .034       .149   .816   .103        .195   .597   − .295    .193   .126   − .028      .202   .890
     Demographics
     Household income                               − .237      .119      .047      .298       .135   .028   .258        .188   .169   .424      .191   .027   .311        .192   .106
     Rent current residence                         .361        .407      .375      − .574     .461   .213   .725        .662   .274   .304      .583   .602   .415        .526   .430
     Can afford a $400 unexpected expense           − .349      .343      .309      − .456     .398   .252   − .898      .527   .088   1.44      .577   .013   1.16        .544   .032
     Age                                            − .023      .019      .214      − .036     .021   .088   .024        .029   .411   .024      .034   .469   .052        .031   .096
     Black                                          .879        .380      .021      .967       .447   .031   − .519      .607   .392   .366      .583   .530   .295        .644   .647
     Latinx                                         2.24        .510      .000      .254       .562   .651   − .565      .749   .450   − .962    .690   .164   1.75        .657   .008
     All other races                                .320        1.02      .754      .709       1.29   .585   −           −      −      −         −      −      1.56        1.44   .279
     Any children in the household                  2.01        .496      .000      − .766     .454   .092   1.21        .906   .181   1.28      .915   .161   1.05        .924   .255
     Overall health                                 .129        .189      .495      − .067     .222   .760   − .326      .308   .289   − .468    .319   .143   .522        .296   .078
     N                                              262                             262                      257                       257                     262

     Bold values indicate p < .05
                                                                                                                                                                                         Journal of Family and Economic Issues (2024) 45:458–469
Journal of Family and Economic Issues (2024) 45:458–469                                                                  467


Discussion                                                       disruptions to household finances, perhaps through an
                                                                 American version of the U.K.’s Coronavirus Job Reten-
The notion of pandemic amnesty has been floated to absolve       tion Scheme, in which the central government subsidized
policymakers of all the things unknown at the onset of           the cost to furlough workers at home rather than lay them
COVID-19 in order to render a constructive conversation          off entirely (Brewer & Tasseva, 2021). In the U.S., laying
on how to plan for future pandemics (Oster, 2022). Among         workers off and then making UI more generous was not
the unknowns in the early months of the pandemic was the         an effective method for pulling the most vulnerable out
necessity of masking. A similar unknown was what to do           of pandemic-related material hardship (see also Moffitt
for all the workers required to stay home in the spring of       & Ziliak, 2020).
2020 so that we could “flatten the curve”. Among the poli-          Finally, the disproportionate impact of pandemic-
cies to emerge out of this period were the Economic Impact       related disruptions to households of color and families
Payments and the Pandemic Unemployment Compensation              with children was unknown to policymakers in the spring
program. These have been heralded as having prevented            of 2020, although Parolin (2021) persuasively argues this
a massive increase in poverty (Cooney & Shaefer, 2021;           should not have been the case. We found that control-
Ganong et al., 2020; Karpman & Zuckerman, 2021). The             ling for pandemic-related disruptions, households of
spirit of pandemic amnesty should extend not only to these       color were more likely to experience bill-paying and
programs in particular, but also to the consensus regarding      food hardship in the early months of the pandemic than
their effectiveness at preventing poverty.                       White households in our sample. In addition, we found
   In absolute terms the pandemic response may have pre-         that households with children were more likely to expe-
vented poverty, but in this study, we have considered how        rience bill-paying and food hardship. COVID-19 was
poverty as an absolute measure was inadequate for under-         not, as others have noted, an equal opportunity disruptor
standing the impact pandemic-related disruptions had on          (O’Reilly, 2020). In comparison to UI, the importance
vulnerable households. We should rather view pandemic-           of SNAP may have been unknown to policymakers in
related disruptions in early 2020 through the prism of mate-     the spring of 2020. As others have noted (Elliott et al.,
rial hardship, which refers to a household’s ability to meet     2021), SNAP was the clear strategy out of hardship for
basic expenses such as rent, utilities, food, and medical care   households with children in our sample, more so than the
(Heflin et al., 2009). Viewed from this perspective, there is    expanded UI benefits.
consensus that the pandemic itself was quite harmful to low-
income households, households of color, and families with
children (see Gupta et al., 2020; Karpman & Zuckerman,           Limitations
2021; Schanzenbach & Pitts, 2020). Our study went further
than previous considerations of pandemic-related material        The Ypsilanti COVID-19 Study was a non-probability
hardship by showing which disruptions were associated with       sample of residents of one municipality, at one point in
bill-paying and/or food hardship. We then conceptualized         time in the summer of 2020. Although the sample was over
variation in how these hardships were experienced to explore     representative of people of color and low-income indi-
their relationship to strategies to exit hardship.               viduals in Ypsilanti, it was not generalizable to the city
   We found many insights that were unknown to policy-           as a whole, nor to the United States. Nevertheless, many
makers at the onset of the pandemic. For example, dis-           of the descriptive statistics in the Ypsilanti COVID-19
ruptions to household finances, particularly through job         Study mirrored those of nationally representative studies
loss, cut across bill-paying and food hardships, control-        fielded around the same time, particularly concerning dis-
ling for other forms of pandemic-related disruption. And         ruptions to households of color and families with children
yet once a household experienced either bill-paying or           (Despard et al., 2020; Karpman et al., 2020). These simi-
food hardship, there was no clear path out of the hardship       larities added concurrent validity to the Ypsilanti COVID-
through SNAP or UI. Along the same lines, we found               19 Study.
that among those experiencing hardship—bill-paying,                 The indicators of health disruptions used in this study
food, or both—income was predictive of UI. In other              were indirect and showed little relationship to food or
words, those most likely to benefit from the extraordinary       bill-paying hardship. It may be that more direct indica-
generosity of the Pandemic Unemployment Compensa-                tors of pandemic-related health complications will show
tion program were less likely to access it, such as low-         significant relationships to multiple dimensions of material
income households behind on their rent or worried their          hardship.
food might run out (see also Ganong et al., 2020). In the           Finally, this study was making inferences on the rela-
future, pandemic response should prioritize preventing           tionships between pandemic-related disruptions and multi-
                                                                 ple dimensions of material hardship while simultaneously


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468                                                                              Journal of Family and Economic Issues (2024) 45:458–469

measuring the relationships between material hardship           Declarations
and strategies to exit hardship. Conceptually, this ana-
lytic strategy may be more appropriately applied to a           Compliance with Ethical Standards This study was provided IRB ex-
                                                                emption from the University of Michigan. Although it did involve re-
panel study than a cross-sectional one like the Ypsilanti       search on human subjects, no identifying information was collected,
COVID-19 Study. However, the rapidly evolving nature            and the incentive participants received for completing the survey in-
of the pandemic response argued in favor of our data. The       strument–$20—was not coercive. Participants were informed prior to
Pandemic Unemployment Compensation program expired              consenting to participate that information provided would be used for
                                                                research purposes, as well as information to contact the study team
at the end of July 2020. Fielding a panel study to capture in   with questions.
one instance the impact of COVID disruptions, then field-
ing another panel to capture the impact of the pandemic         Conflict of interest The study team has no conflicts of interest to dis-
                                                                close.
response was impractical. We were fortunate that our
period of data collection allowed for the accurate recall of
respondents when programs passed under the CARES Act
were still in operation.                                        References
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