According to an annual survey by the Federal Deposit Insurance Corporation (FDIC), 7.0 percent of U.S. households were “unbanked” in 2015, which means that no one in the household had a checking or savings account. That’s around 9 million households consisting of 15.6 million adults and 7.6 million children. The percentage of the population that is unbanked varies considerably across states, ranging from a low of less than 2 percent in New Hampshire and Vermont to more than 10 percent in Alabama, Georgia, Louisiana, Mississippi, Oklahoma and Tennessee. Louisiana has the highest rate at 14 percent.

What is the best state for retirement and aging? If you ask this question, you are likely to receive a listing of states with more favorable and less favorable tax policies. Rifle through the state tax policies and any number of tax breaks will pop up. Some policies benefit everyone—the states that don’t impose any income taxes or sales taxes are examples. Then there are the specific exemptions for older taxpayers—certain types or amounts of income, including Social Security, pensions and retirement savings, property tax exemptions, and even some long-term care insurance deductions. While the fairness, value and efficacy of these tax policies may be in question, it is clear that tax policy, alone, isn’t what people who ask about the best states for retirement are really seeking. They are more likely looking for places with amenities and affordable services that will keep them comfortable and safe as they age.

CSG Midwest
In early 2012, a 17-year-old stood up in a high school cafeteria in northeast Ohio and began shooting. Three students died, three were injured. For the leaders of Ohio’s systems of mental health and developmental disabilities, that tragic incident became a call to action.
“After the fact, people said, ‘We had seen signs,’ but nobody knew what to do or how to connect with resources,” notes Tracy Plouck, director of the Ohio Department of Mental Health and Addiction Services.
What could the state do to help fill those resource gaps? How could it assist families and communities wanting to help a troubled young person? In part, the response has been the creation of Strong Families, Safe Communities, the goal of which is to improve care coordination and crisis-intervention services for individuals between the ages of 8 and 24 at risk of harming themselves or others due to a mental illness or developmental disability.

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There are multiple challenges to the question of child care in the states. Early childhood education can be viewed through multiple policy area lenses, including workforce development, education, health care and economic development. What is at stake for families with young children needing child care?

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The fourth of a five-part series on child care as a public policy question, this CSG research brief highlights child care quality in the states, including initiatives to mea- sure and improve quality, and the development of a skilled early childhood education workforce. The prior three briefs in this series explored demographics of families with small children, affordability and access.

This is the third installment of a series of research briefs focusing on child care in the United States. The first brief provided an overview of child care, including what families with children look like today. The second brief explored the affordability of child care. This brief focuses on questions about the availability and access American families have to child care from state to state. How can families choose which setting is best for their child? How many slots are available per child in a state, and how many child care workers are there?

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Child care is a major expense for most families across the country. Federal, state and local governments recognize the financial burden that child care places on parents, offering subsidies to those hardest hit— low-income families. This research brief is the second in a five-part series about the state of child care and its implications. In the first brief, we introduced child care as a state policy area, the demographics of families with young children, and the federal legislative landscape for improving the quality of child care and subsidizing costs.

Affordable, high-quality and accessible child care is a challenge for many American families. In a series of research briefs, CSG examines the balancing act familiar to many families in the United States—managing work and child care—and how states are working in conjunction with the federal government to improve the process for all families with young children.

CSG Midwest
Three alternatives to traditional marriage are recognized in different parts of this region: domestic partnerships, civil unions and common-law marriages. 
CSG Midwest
Right now in Iowa, it’s no sure bet that a child in need of mental health services is going to get them. Instead, access can depend on where his or her family happens to live. “There is no statewide system or network of care in place, and over the long term, we need to develop it because there are clear gaps,” explains Anne Gruenwald, president and CEO of Four Oaks, a Cedar Rapids-based nonprofit agency that provides a range of services for children in need.
“When you have those gaps, needs go unmet, or we have to rely on our adult system of care — and that’s not always a good fit.” Iowa appears to be taking some important first steps, thanks to the recommendations of a work group formed by the Legislature in 2015 and actions taken by lawmakers during their 2016 session. 

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