DLNews Report JTFMax:

California is one of the most populous and diverse states in the US but is also one of the most expensive. From groceries to gas for your car and utilities and housing to healthcare, Californians feel a pinch in their wallets with just about every purchase and payment. This is especially true for seniors, who often have fixed incomes and limited savings.

According to the US Bureau of Economic Analysis, California has the fourth-highest cost of living index, behind Hawaii, New York, and New Jersey. This means that California's goods and services prices are higher than the national average. For example, a gallon of gas costs $4.63 in California, more than twice as much as the national average of $2.12. A loaf of bread costs $3.99 in California, more than 10% higher than the national average of $3.64.

Housing is the most significant expense for most Californians, as the state has a severe shortage of affordable and available homes. The median home value in California is $676,200, more than double the national median of $295,300. The median rent in California is $2,518, which is 64% higher than the national median of $1,533. Many seniors need help paying their mortgages, rent, downsizing, or relocating to cheaper areas.

Healthcare is another primary concern for seniors, as they often have chronic conditions or need regular check-ups and medications. Medicare is the federal health insurance program for people 65 or older but does not cover everything. Medicare Part B covers doctor visits, outpatient services, and preventive care, but it requires a monthly premium generally deducted from the beneficiaries' Social Security benefits. However, since California stopped paying $164.90 monthly for Part B in 2022, seniors must pay the total amount out of pocket. This adds up to $1,008 per year or $84 per month, a significant burden for many seniors.

So, what can seniors do to cope with California's high cost of living? Some programs and agencies can help them pay for their basic needs or provide services and support. For example, they can apply for food stamps (SNAP), Medicaid, Medicare Part B (if they are 65 or older), or other state or federal government benefits. They can also look for local organizations that offer senior centers, meals on Wheels, transportation assistance, home care, or other services.

Another option is to join a group of seniors who share their concerns and experiences. They can talk to each other about their challenges and solutions and learn from each other's stories and tips. They can also participate in activities and events that promote their health and well-being. Some seniors also fight for their rights and demand better health care from the state. They organize protests, rallies, petitions, and letters to express dissatisfaction and frustration. They also seek legal advice and explore options such as filing lawsuits or moving out of state.

The cost of living in California is a challenge for seniors, but it is not impossible to overcome. With some help, support, and advocacy, seniors can still enjoy their golden years in the Golden State.