Apr 25, 2023

An expert in policy advocacy and coalition building, Chaer has dedicated her career to helping people meet their basic needs and expanding economic opportunity. She serves on the executive committee of the All Families Deserve a Chance (AFDC) coalition. Staff page ›

Recent articles

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CCLP’s legislative watch for April 5, 2024

For the 2024 legislative session, CCLP is keeping its eye on bills focused on expanding access to justice, removing administrative burden, preserving affordable communities, advocating for progressive tax and wage policies, and reducing health care costs.

Protections for residential tenants

by | Apr 25, 2023

On Tuesday, April 11, 2023, Chaer Robert, CCLP’s Legislative Director, provided testimony to the Senate Local Government & Housing Committee for Senate Bill 23-184, Protections for Residential Tenants. CCLP is in support of SB23-184.

 

I am Chaer Robert, Legislative Director for Colorado Center on Law and Policy. We stand with communities across Colorado against poverty.  

We support Senate Bill 23-184 – Protections for Residential Tenants. 

 

Currently, many landlords require a tenant demonstrate income of 3 times the amount of rent. If a landlord in Colorado were to limit tenants to those who paid not more than 30% of income to rent in 2021, they would exclude 55.8% of renters (who paid more than 30% of their income on rent that year.) 

A person working 40 hours at Colorado minimum wage makes $2,371 a month. If a prospective tenant must make 3 times the income, they could only rent an apartment for less than $790 a month. 

Approximately 87,507 Coloradans receive Social Security Disability Insurance (SSDI) benefits per month, which is 1.5% of the state’s population. The average SSDI payment is $1,430 per month. Therefore, an individual receiving SSDI could only qualify for rent of $476 per month. 

66,926 Coloradans received Supplemental Security Income (SSI), approximately 1% of the state’s population. The average SSI check is $914 per month, so SSI recipients could only qualify for a unit that rents for less than $305 per month. 

Less than 25% of those qualified for subsidized housing are able to get subsidized housing. 

Due to immense lack of affordable housing in most parts of Colorado, low-income renters often spend more than half their income on rent. 

 

Here are some key findings from CCLP’s 2022 Issue Brief: Colorado is losing low-cost rental housing: 

  • Between 2010 and 2019, Colorado lost 41.2% of rental units with rents under $600. This housing would be considered affordable to households earning up to $24,000 in 2019. That year, 23.0% of renter households had incomes below $24,000 in Colorado. 
  • Low-cost rental housing represented 10.1% of Colorado’s rental housing stock in 2019, down from 19.5% in 2010.
  • Only 5.9% of rental units built in Colorado since 2010 had rents under $600. 66.1% of rental units built since then had rents between $1,000 and $1,999.
  • 33.4% of rental units in rural counties in Colorado had rents under $600 in 2019 compared to 9.7% of rental units in urban counties. Urban counties accounted for 93.6% of the net loss in Colorado’s stock of low-cost rental units between 2010 and 2019.
  • While all regions of the state saw net losses of low-cost rental units, the fastest losses were experienced in urban Front Range regions. The Denver Metro region alone accounted for 60.0% of the net loss in low-cost units between 2010 and 2019.
  • 16 of Colorado’s 64 counties saw net gains in their stock of low-cost rent housing between 2010 and 2019, led by Rio Grande, Archuleta, Moffat, Clear Creek, and Costilla counties. The 16 counties saw a net gain of 1,727 units with rents below $600. However, the remaining 48 counties saw net losses of 91,099 units. 

While it is not ideal to pay more than 30% of income for rent, for many renters, that is how they stay housed when most of the state has very high rents: by prioritizing rent payment first.  

 

Please support SB23-184. Thank you. 

 

Sincerely,

Chaer Robert

Legislative Director

Colorado Center on Law and Policy

 

SB23-184 passed the Colorado Legislature and awaiting the Governor’s signature!

Recent articles

CCLP testifies in support of TANF grant rule change

CCLP's Emeritus Advisor, Chaer Robert, provided written testimony in support of the CDHS rule on the COLA increase for TANF recipients. If the rule is adopted, the cost of living increase would go into effect on July 1, 2024.

CCLP’s legislative watch for April 5, 2024

For the 2024 legislative session, CCLP is keeping its eye on bills focused on expanding access to justice, removing administrative burden, preserving affordable communities, advocating for progressive tax and wage policies, and reducing health care costs.

HEALTH:
HEALTH FIRST COLORADO (MEDICAID)

To maintain health and well-being, people of all ages need access to quality health care that improves outcomes and reduces costs for the community. Health First Colorado, the state's Medicaid program, is public health insurance for low-income Coloradans who qualify. The program is funded jointly by a federal-state partnership and is administered by the Colorado Department of Health Care Policy & Financing.

Benefits of the program include behavioral health, dental services, emergency care, family planning services, hospitalization, laboratory services, maternity care, newborn care, outpatient care, prescription drugs, preventive and wellness services, primary care and rehabilitative services.

In tandem with the Affordable Care Act, Colorado expanded Medicaid eligibility in 2013 - providing hundreds of thousands of adults with incomes less than 133% FPL with health insurance for the first time increasing the health and economic well-being of these Coloradans. Most of the money for newly eligible Medicaid clients has been covered by the federal government, which will gradually decrease its contribution to 90% by 2020.

Other populations eligible for Medicaid include children, who qualify with income up to 142% FPL, pregnant women with household income under 195% FPL, and adults with dependent children with household income under 68% FPL.

Some analyses indicate that Colorado's investment in Medicaid will pay off in the long run by reducing spending on programs for the uninsured.

FOOD SECURITY:
SUPPLEMENTAL NUTRITION ASSISTANCE PROGRAM (SNAP)

Hunger, though often invisible, affects everyone. It impacts people's physical, mental and emotional health and can be a culprit of obesity, depression, acute and chronic illnesses and other preventable medical conditions. Hunger also hinders education and productivity, not only stunting a child's overall well-being and academic achievement, but consuming an adult's ability to be a focused, industrious member of society. Even those who have never worried about having enough food experience the ripple effects of hunger, which seeps into our communities and erodes our state's economy.

Community resources like the Supplemental Nutrition Assistance Program (SNAP), formerly known as Food Stamps, exist to ensure that families and individuals can purchase groceries, with the average benefit being about $1.40 per meal, per person.

Funding for SNAP comes from the USDA, but the administrative costs are split between local, state, and federal governments. Yet, the lack of investment in a strong, effective SNAP program impedes Colorado's progress in becoming the healthiest state in the nation and providing a better, brighter future for all. Indeed, Colorado ranks 44th in the nation for access to SNAP and lost out on more than $261 million in grocery sales due to a large access gap in SNAP enrollment.

See the Food Assistance (SNAP) Benefit Calculator to get an estimate of your eligibility for food benefits.

FOOD SECURITY:
SPECIAL SUPPLEMENTAL NUTRITION PROGRAM FOR WOMEN, INFANTS AND CHILDREN (WIC)

Every child deserves the nutritional resources needed to get a healthy start on life both inside and outside the mother's womb. In particular, good nutrition and health care is critical for establishing a strong foundation that could affect a child's future physical and mental health, academic achievement and economic productivity. Likewise, the inability to access good nutrition and health care endangers the very integrity of that foundation.

The Special Supplemental Nutrition Program for Women, Infants and Children (WIC) provides federal grants to states for supplemental foods, health care referrals, and nutrition information for low-income pregnant, breastfeeding and non-breastfeeding postpartum women and to infants and children up to age five who are found to be at nutritional risk.

Research has shown that WIC has played an important role in improving birth outcomes and containing health care costs, resulting in longer pregnancies, fewer infant deaths, a greater likelihood of receiving prenatal care, improved infant-feeding practices, and immunization rates

Financial Security:
Colorado Works

In building a foundation for self-sufficiency, some Colorado families need some extra tools to ensure they can weather challenging financial circumstances and obtain basic resources to help them and their communities reach their potential.

Colorado Works is Colorado's Temporary Assistance for Needy Families (TANF) program and provides public assistance to families in need. The Colorado Works program is designed to assist participants in becoming self-sufficient by strengthening the economic and social stability of families. The program provides monthly cash assistance and support services to eligible Colorado families.

The program is primarily funded by a federal block grant to the state. Counties also contribute about 20% of the cost.

EARLY LEARNING:
COLORADO CHILD CARE ASSISTANCE PROGRAM (CCCAP)

Child care is a must for working families. Along with ensuring that parents can work or obtain job skills training to improve their families' economic security, studies show that quality child care improves children's academic performance, career development and health outcomes.

Yet despite these proven benefits, low-income families often struggle with the cost of child care. Colorado ranks among the top 10 most expensive states in the country for center-based child care. For families with an infant, full-time enrollment at a child care center cost an average of $15,140 a year-or about three-quarters of the total income of a family of three living at the Federal Poverty Level (FPL).

The Colorado Child Care Assistance Program (CCCAP) provides child care assistance to parents who are working, searching for employment or participating in training, and parents who are enrolled in the Colorado Works Program and need child care services to support their efforts toward self-sufficiency. Most of the money for CCCAP comes from the federal Child Care and Development Fund. Each county can set their own income eligibility limit as long as it is at or above 165% of the federal poverty level and does not exceed 85% of area median income.

Unfortunately, while the need is growing, only an estimated one-quarter of all eligible children in the state are served by CCCAP. Low reimbursement rates have also resulted in fewer providers willing to accept CCCAP subsidies.