Home
/
RELIGION & LIBERTY ONLINE
/
How social-welfare policy is affecting family formation
How social-welfare policy is affecting family formation
Jan 5, 2026 5:17 AM

In America, the most effective “anti-poverty program” is the institution of work (more specifically, ensuring people have a full-time job). The second most effective program for preventing people from being poor is the institution of marriage.

The poverty rate among married couples in America is around 6 percent, and among married couples who both have full-time jobs the poverty rate is practically zero (0.001 percent). In contrast, the poverty rate among single-dads/moms is much higher: 25 percent for single dads / 31 percent for single moms.

Unfortunately, government-based anti-poverty programs tend to conflict with or discourage the benefits of work and marriage. In his 1984 book Losing Ground, Charles Murray reported that the expansion of federal and state support for poor families during the 1960s-era War on Poverty ended up penalizing marriage. The reason is that government aid is often “means-tested” — recipients can only receive the aid if they do not possess the means to do without that help.

While this may seem like monsensical approach, it can have detrimental unintended consequences. For example, a single-mother may be receiving $15,000 in aid from the government and wish to marry a man who is earning $15,000. Before walking down the aisle, though, she learns that her potential husband’s e would put her over the means-tested threshold and she would lose all government aid. She would be better off, financially speaking, by merely “shacking up” with the man and not getting married at all. This is often known as a “marriage penalty,” where it makes more financial sense for a couple to cohabit rather than to marry. And it has been a public policy problem for almost fifty years. A new report by AEI and the Institute for Family Studies, however, shows that the unintended consequences are beginning to change in unexpected ways.

“In the 1960s and 1970s, social-welfare programs may have been most consequential for family formation among the poorest couples, largely because they were the ones most likely to participate in such programs,” notes the report. “Today, however, the design of social-welfare policy may have the most influence on couples in the lower middle class.”

The report’s analysis of American couples whose oldest child is two years or younger indicates that 82 percent of those in the second and third quintiles of family e ($24,000 to $79,000) face this kind of marriage penalty when es to Medicaid, cash welfare, or food stamps. By contrast, only 66 percent of their counterparts in the bottom quintile (less than $24,000) face such a penalty.

Additionally, they found that almost one-third of Americans aged 18 to 60 report that they personally know someone who has not married for fear of losing means-tested benefits. The report offers four strategies for addressing the marriage penalties embedded within social-welfare policies:

1– In determining eligibility for Medicaid and food stamps, increase the e threshold for married couples with children under five to twice what it is for a single parent with children under five. Such a move would ensure that couples just starting a family do not feel pressured to forgo marriage just to access medical care and food for their families. The cost of this policy change would be limited, since it would only affect families with young children.

2– Offer an annual, refundable tax credit to married couples with children under five that pensate them for any loss in means-tested benefits associated with marrying, up to $1000. This would send a clear signal that the government does not wish to devalue marriage and, for couples, it would help to offset any penalties associated with tying the knot.

3– Work with states to run local experiments designed to eliminate the marriage penalty associated with means-tested policies. States could receive waivers to test a range of strategies to eliminate penalties in munities, and municate to the public that the penalties are no longer in force there. Successful experiments could then be scaled up to the national level in future efforts to reform means-tested policies.

4– Encourage states and caseworkers working with e families to treat two-parent families in much the same way as they do single-parent families. For instance, states could ease the distinctive work requirements that many have in place for two-parent families receiving cash welfare. Reforms such as this one would put two-parent and single-parent families on a more equal footing when es to public assistance. More generally, policymakers and caseworkers should try to eliminate policies and practices that effectively discriminate in favor of single-parent families.

The effect of government aid programs is mixed — and costly. Since the beginning of the war on poverty until 2012, local, state, and federal spending on welfare programs has totaled 15,000,000,000,000. Currently, the United States spends nearly $1 trillion every year to fight poverty, an amount equal to $20,610 for every poor person in America, or $61,830 per poor family of three.

Despite their relative ineffectiveness in alleviating poverty, the programs aren’t going away anytime soon. Today, more than four in ten families in America receive some kind of means-tested government assistance, from Medicaid to food stamps. Instead plaining about social-welfare policy, though, Christians in America should be encouraging reforms that eliminate marriage penalties. In helping to alleviate poverty we need to make sure we aren’t unintentionally hurting the formation of American families.

Comments
Welcome to mreligion comments! Please keep conversations courteous and on-topic. To fosterproductive and respectful conversations, you may see comments from our Community Managers.
Sign up to post
Sort by
Show More Comments
RELIGION & LIBERTY ONLINE
Read My Lips
“…we are setting an ambitious goal: all students should graduate from high school prepared for college and a career – no matter who you are or where e from.” – Barack Obama, Saturday Radio Address. A few years ago I asked a friend and business owner why he put value on a college diploma when talking with entry level talent who had majored in subjects incredibly tangential to his job descriptions. He answered, “Well, it shows they can finish something.”...
What Griffiths Said
In this week’s Acton Commentary I expand on a minor meme floating around the web towards the end of last year that criticized the purported claim made by Lord Brian Griffiths, a Goldman Sachs advisor and vice chairman: “The injunction of Jesus to love others as ourselves is an endorsement of self-interest.” I do a couple of things in this piece. First, I show that Griffith’s claim was rather different than that reported by various news outlets. Second, I place...
The Perils of Obedience
On his blog, Marginal Revolution, Tyler Cowan links to an article about game show, The Game Of Death, that was recently broadcast on French television. According to the article (“Torture ‘Game Show’ Draws Nazi Comparison“) the program, “had all the trappings of a traditional television quiz show, with a roaring crowd and a glamorous and well-known hostess.” For all that it appeared to be a typical game show, what “contestants . . . did not realise [was that] they were...
Love Glenn Beck as you would love yourself
Acton es new blogger — and long time friend — Rudy Carrasco to the PowerBlog. He also writes at Urban Onramps. Don’t miss Rudy at Acton on Tap on March 31 (6 p.m. at Derby Station, East Grand Rapids, Mich.) — Editors +++++++++ I haven’t seen the video of Glenn Beck’s call to “run away” from churches that teach social justice. Nor have I read much on the responses by the many – see the Sojo God’s Politics blog for...
Catholic Health Care Rifts
As rumors of congressional action on health-care reform continue to swirl (it will happen Sunday, maybe?), fissures in the American munity are ing increasingly evident. The rift is highlighted in the current, in some ways unprecedented, public dispute between two important Catholic voices. By size and clout, the principal health-related organization of a Catholic identity is the Catholic Health Association. The official organ of the American Catholic bishops as a collective is the United States Conference of Catholic Bishops. Although...
What do you mean by ‘social justice’?
On NRO, John Leo points out how Glenn Beck missed the mark in his recent criticism of “social justice” churches (the reductio ad Hitlerum fallacy, again). But Beck is on to something, Leo says: When Glenn Beck urged Christians to leave churches that preach social justice, he allowed himself to be tripped up by conventional buzzwords of the campus Left. In plain English, “social justice” is a goal of all churches and refers to helping the poor and seeking equality....
“Out of The City of Nazareth…”
If you listen to the radio, you’ve probably noticed mercials promoting the U.S. Census. Where I live, stations are intermittently mercials for the 2010 Census almost every time I’ve turned the dial. One of mercial messages contains a story about crowded buses and the need for folks munities plete the census so they get more money from the federal government and can buy more buses. Huh? The advertising budget just to promote this enterprise was initially publicized at $350 million....
Melanchthon on the Gospel’s Social Implications
The hugely influential reformer Philip Melanchthon (1497-1560) writes in mentary on Romans 13: Meanwhile, the Gospel teaches the godly properly about spiritual and eternal life in order that eternal life may be begun in their hearts. In public it wants our bodies to be engaged in this civil society and to make sure of mon bonds of this society with decisions about properties, contracts, laws, judgments, magistrates, and other things. These external matters do not hinder the knowledge of God...
Poll: Thumbs down on the Sin Tax
From “56% Oppose ‘Sin Taxes’ on Junk Food and Soft Drinks” on Rasmussen Reports: Several cities and states, faced with big budget problems, are considering so-called “sin taxes” on things like junk food and soft drinks. But just 33% of Americans think these sin taxes are a good idea. A new Rasmussen Reports national telephone survey shows that 56% oppose sin taxes on sodas and junk food. Twelve percent (12%) are undecided. Many of the politicians who are pushing these...
NIV Stewardship Study Bible: ‘A remarkable resource…’
Rev. Jerry Hoffman, Director of the Center for Stewardship Leaders at Luther Seminary, reviews the NIV Stewardship Study Bible. “What I found was a remarkable resource that leads one to see how strong the stewardship thread exists throughout scripture…. I anticipate using this resource in my writing, preaching and teaching,” he says. To keep abreast of the different resources available on stewardship, e of a fan of the NIV Stewardship Study Bible on Facebook and follow the Twitter feed @Oikonomeo,...
Related Classification
Copyright 2023-2026 - www.mreligion.com All Rights Reserved