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8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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High Impact Philanthropyin the DownturnFocus on Housing, Health, and Hunger: A Guide for Donors
Th Cnt Hih Ipct PhinthpSchool of Social Pol icy & Pract ice | Univers ity of Pennsylvania
Nb 20
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPyii
About the Authors
Katherina M. Rosqueta, MBA, is the oundin executie director o the Center or Hih Impact Philanthropy. Preious-
ly, she was a consultant at McKinsey & Company. Prior to joinin McKinsey, she worked in community deelopment,
nonproft manaement, and corporate and enture philanthropy.
Carol A. McLauhlin, MD, MPH, is the research director or lobal public health at the Center or Hih Impact Philan-
thropy. She is a primary care physician and public health specialist with experience in research, community enae-
ment, and proram implementation in the U.S. and the deelopin world.
Hilary J. Rhodes, PhD, is a senior analyst at Abt Associates, ormerly the senior analyst in education at the Center or
Hih Impact Philanthropy. Prior to joinin the Center, she was a doctoral ellow at the RAND Corporation.
The authors can be contacted at www.impact.upenn.edu or 215.573.7266.
About the Cente r for high impACt philAnthropy
The nonproft Center or Hih Impact Philanthropy was ounded in 2006 by Wharton alumni and is housed at the
Uniersity o Pennsylanias School o Social Policy & Practice. Our aim is to proide inormation and tools to help
philanthropists determine where their unds can hae the reatest impact in improin the lies o others. With
expertise in business, medicine, the law, and public and social policy, our team brins a multidisciplinary approach,
in-depth knowlede o research methods, and seasoned judment to the analysis o hih impact philanthropic op-
portunities.
sourCes of INformaTIoN
Field experience
Practitioner insihts
Perormance assessments
In-depth case studies
inFormed opinion
Expert opinion Stakeholder input
Policy analyses
research
Randomized controlled trials
and quasi-experimental studies
Modeled analyses
(e.., cost-eectieness)
Field
experience
inFormed
opinionresearch
most promising
To meet our oal o proidin smart, practical uidance to indiidual philanthropists, we synthesize the best aailableinormation rom three domains: research, inormed opinion, and feld experience. By considerin eidence rom
these three sources, we seek to leerae the strenths while minimizin the limitations o each. We beliee the most
promisin opportunities exist where the recommendations o these three domains oerlap.
our multi-perspeCtive, evidenCe- informed ApproACh
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurNi
Table of ContentsWhy this , Why noW 1
opportunity 1: prevent foreClosures 3
Context 4
How Philanthropic Capital Can Change The Situation 6
2 Solution 1: Nonprofit Housing Counseling 6
2Solution 2: Outreach To At-Risk Homeowners 9
Taking Action 10
opportunity 2 : sustAin ACCess to primAry And preventive
heAlthCAre 13
Context 14
How Philanthropic Capital Can Change The Situation 15
2 Solution 1: Community Health Centers 15
2 Solution 2: Targeted Prevention And Outreach 20
Taking Action 23
opportunity 3: ensure ACCess to food 27
Context 28
How Philanthropic Capital Can Change The Situation 28
2 Solution 1: Emergency Food Providers 29
2 Solution 2: Benefits Access Programs 32
Taking Action 36
referenCes And endnotes (inCluding list of nonprofits) r- i
ACKnoWledgments ins ide bACK Cove r
2Model In Practice in this section
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPyiv
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN
W A High
Impac Philanhopy in he Economic Downn
- Acion Agenda. S , m
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cover or the ull list o individuals who contrib-
uted to our work.)
Three years ago, the Center for High Impact Philanthropy was founded to
provide analysis and decision-making tools to help philanthropists determine
where their funds can have the greatest impact in improving the lives of
others. Given the breadth and severity of the current economic downturn,
the question we needed to answer was clear: Where can individual donorsmake a significant difference in addressing the suffering caused by the
economic crisis?
Why this , Why noW
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy2
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8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
7/52
HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN3
opportunity 1
Prevent foreclosures through housing
counseling and outreach to at-risk
households
Nb 2009
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy4
F . B
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ure 1: Foreclosures Rates Across he CountryA
National Crisis, Concentrated Pain).
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cord High Delinquency & Foreclosure Rates). T
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We lied in a home or 3 years and we lost it almost a year ao. It was the frst American Dream my
parents coulde accomplished but they did not know interest would risethey would not be able to pay
the mortae. So we moed in with our aunt. There are currently 12 o us in a one-room house, so do
the math.1
- evelyn, V Am H SIs Anybody Listening? A testament by Village Academy
High School students on the economic crisis
the Context
Refnancin could that hae been a actor? Im not 100% sure but that company sure as heck didnt
want to work with me. Youre not lookin or a ree handout, youre lookin or someone to ie you a
resh start Well, i the deal isnt reached they say by the end o the month, there will be a Sheris
sale. Now I know they initiated the stimulus packae to help people but it seems like you dont know
where to o to et that help.2
- Kenneth Kruse, - m
Te Faces o Foreclosure: People across the New Yorkregion tell their stories
An unprecedented number o people across the country ace losing their homes to oreclosure. However,
or many amilies like Evelyns and Keiths, eective housing counseling and targeted outreach can prevent
oreclosures enormous emotional, social, and economic toll. Such eorts now represent great bang or
philanthropic buck.
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN5
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fIgure 1: foreClosure raTes aCross THe CouNTrya NaTIoNal CrIsIs, CoNCeNTraTed PaIN
Source: Te Policy Map, a service o Te Reinvestment Fund
Estimated percent of mortgages to start foreclosure process or be seriously delinquent in the past 2 years
CHarT 1: reCord HIgH delINQueNCy & foreClosure raTes
14.00
12.00
10.00
8.00
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Q2_
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Mortgage Foreclosure Inventory: United States (EOP, NSA, %)All Mortgages Not Current: U.S. (NSA, %)
Source: Mortgage Bankers Association8
legend
year: 2009
variable: Score
Insuicient Data
7 or less
8-11
12-14
15-17
18 or more
shaded by: Census Tract
source: HUD
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy6
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fIgure 2: How NoNProfITs work To PreveNT foreClosures
troubled
homeowners at risK
oF Foreclosure
OUTREACH
HOUSINg COUNSELINg &
HEARINg OR MEDIATION
SUPPORT
DECREASED ADMINISTRATIvE
PROCESSINg TIME
successFul worKouts:
Foreclosures prevented
target: Increase the
number o troubled homeowners
who seek counselin
target: Increase thenumber o aordable workouts
hoW philAnth ropiC CApitAl CAn ChAnge the situAtion
solution 1 : nonprofit housing Counseling
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8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN7
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aking Action, p 10).
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Nonproit Housing Counseling)
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greaT BaNg for BuCk: NoNProfIT HousINg CouNselINg
Cost per impact: $300 $3,800 to help a homeowner at risk o oreclosure reach a successul loan
modiication with a servicer. Compare this to:
Costs to s: As much as $34,000 in municipal costs per foreclosure.12 Given that 9 million foreclosures
are anticipated over the next four years,13 the total bill to cities could reach $306 billion.14 The reduction inproperty values could reach $1.86 trillion.15
Costs to c: When a foreclosure occurs in a neighborhood, each neighboring home loses
an average of$7,200 in value.16 Neighborhood violent crime rises an estimated 2.33 percent with each
percentage point increase in that neighborhoods foreclosure rate. 17
Costs to i: Increased risk of homelessnes s, continued financial dist ress, increased rates of st ress and
mental illness; for children, loss in learning and development.
8/7/2019 High Impact Philanthropy in the Downturn: Focus on Housing, Health, and Hunger (A Guide for Donors)
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy8
model in practice:
Pntin c thh cti hin cnin
a : In conversations with unders and poli-
cymakers over the last several months, Consumer Credit
Counseling Services (CCCS) o Atlanta, soon to be known
as CredAbility, was cited as a nationally recognized leader
in eective housing counseling. It provides ace-to-ace
counseling in 30 locations in Georgia, Florida, Mississippi,
and Tennessee and over-the-phone counseling nationally,
24-hours a day in both English and Spanish. One o eight
nonproit credit counseling agencies responding to call-
ers o the national HOPE hotline, it answered more than
175,000 calls and provided housing counseling to 73,573
clients in 2008.18 In addition to oreclosure prevention as-sistance, it serves as a inancial emergency room, pro-
viding budget and credit counseling, money management
education and outreach, debt management plans, and
bankruptcy counseling and education.
i: 80% o CCCS clients were still in their homes
12 months ater their initial counseling session. 19 This
compares avorably with the industry comparison data o
23%, a reasonable benchmark and the best available ig-
ure against which to compare CCCSs results.20
c: CCCS o Atlanta reported a cost o $1 to $1.50
per minute or counseling with an average per client cost
o $208.21 Industrywide, the average cost per client coun-
seled is $431 and the median cost per client is $225,
based on a survey o HUD-approved counseling agencies,
including CCCS o Atlanta.22,23
c : We estimate that it costs CCCS o At-
lanta approximately $300 to keep one client in his or her
home and avoid uture oreclosure activity or a year. By
comparison, industrywide, the cost ranges rom $500 to
$3,800, based on the complexity o the case.24
We attribute several actors to CCCS o Atlantas strong
cost-per-impact proile:
Experience: Founded in 1964, it had a track record o
working with clients in inancial distress long beore the
current economic crisis.
Strong commitment to data-driven decisions and invest-
ment in data management systems, including its Early
Resolution Counseling Portal (ERCP), an online portaldeveloped in collaboration with servicers and the Ford
Foundation. ERCP acts as a bridge between the Early
Resolution platorm used by servicers or decision analy-
sis and CCCS counseling agencies terminals.
Strong, proessional culture relected in its knowledge
and working relationships with servicers.
For more detail on this model see High Impact Philanthro-
py in the Downturn: Additional Sources and Due Diligence,
available on our website: www.impact.upenn.edu.
To learn more about CCCS o Atlanta, visit its website:http://www.cccsatl.org/index.jsp. Alternatively, contact
Suzanne Boas, president, at [email protected]
or (404) 653-8809.
To learn how to identiy an eective housing counselor in
your local area, see our Taking Actionsection on p. 10.
Image by NeighborWorks America/Gregory Miller Photography
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN9
model in practice:
linin tb hn t itnc thh tt, -nc cpin
a : General outreach activities (e.g., public
service announcements, bill inserts) can raise overall public
awareness. But in urban areas with a high concentration o
households at risk o oreclosure, a targeted door knock
campaign can be a cost-eective way to link borrowers with
housing counseling. The city o Philadelphia incorporatedsuch a campaign in its Residential Mortgage Foreclosure Di-
version Program. The city partnered with 15 local nonproits
to conduct door-to-door outreach to approximately 400 to
500 eligible homeowners a month.25,26 Representing the city,
trained nonproit sta received a list o at-risk, owner-oc-
cupied households. Households could receive up to 3 visits.
I representatives successully reached a homeowner, they
explained that help was available and urged the borrower
to call the city hotline to set up a ree housing counseling
session. The city is currently working with a oundation to
understand the impact and cost eectiveness o its eorts,
but the program has already been recognized nationally by
mayors such as Michael Bloomberg o New York and Antonio
Villaraigosa o Los Angeles.27
i: It will be some time beore rigorous studies are
available on programs created to respond to the current cri-
sis. In the meantime, we applied the success rates o one
o the Citys nonproit partners to estimate the potential im-
pact o a door-knock campaign. In a nonproit pilot o 117
households contacted, o which 94 were actually reached,
65%or 61 householdscalled the hotline immediately to
set up a housing counseling appointment.28 We dont know
the eects o the campaign isolated rom other aspects o
the program. In an early attempt to understand this, the city
observed a 12% increase in response rates by those coveredby the door-knock campaign versus those who were not. 29
c: An estimated $25 to $75 per household knocked,
that is, per name on the list.30 This is not the cost to the city,
but simply an estimate provided by a nonproit partner o its
costs to deploy sta as part o a city campaign. Cost includes
transportation, canvassers compensation, and cellphones.31
c : We estimated it cost $60 to $200 or
every homeowner who seeks help by scheduling a housing
counselor appointment, based on igures provided by the
nonproit pilot.32
In our conversations with those involved in outreach eorts,
two criteria emerged as central to the success o any door-
knock campaign. The irst is the availability o a good quality,
targeted list o at-risk households. The second is the avail-
ability o experienced canvassers who already have, or can
quickly gain, the necessary trust rom the low-income and
minority communities most at-risk o oreclosure.
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solution 2: outreACh to At-risK homeoWne rs
HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN 9
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy10
model in practice (continued):
h f
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ageNCIes
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For more details on this model see High Impact Philan-
thropy in the Downturn: Additional Sources and Due Dili-
gence, available on our website: www.impact.upenn.edu.
To learn more about Philadelphias Residential Mortgage
Foreclosure Diversion Pilot Program, contact Terry Gil-
len, executive director, Redevelopment Authority, City oPhiladelphia, at (215) 209-8720, [email protected] or
Laura Taylor, contract administrator, City o Philadelphia at
(215) 686-9711, [email protected].
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN11
greaT BaNg for BuCk: How your dollars Could HelP
For $300 $3,800, eective housing counseling can help a homeowner at risk o oreclosure reach a
successul loan modiication with a servicer. Examples o how philanthropists can make this model more
eective and eicient include:
$15,000 to $20,000 will enable housing counselors like CCCS of Atlanta to recruit, hire, train, and provide
necessary resources (e.g., computers, desks, and office supplies) for a new housing counselor, who will wo rk
with 800 to 1,000 clients per year.33
$15,000 will enable counseling agencies to purchase early resolution portal software. Right now, servicer
capacity to process loan modifications remains a severe bottleneck. Such data exchange systems can alleviate
servicers overload and expedite the loan modification process.
In addition, funding targeted outreach and community education ensures that more troubled borrowers connect
with available, effective housing counseling.
We offer these not as a menu but rather simply to provide you with examples of the types of unmet needs we
heard from leaders in foreclosure prevention.
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Ex D: F Sz: (22) 589-246
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy12
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN13
opportunity 2
Sustain access to primary and preventive
healthcare through support of community
health centers and targeted outreach
Nb 2009
Image provided by Nurse-Family Partnership
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy14
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Since sales at the Sebrin, Fla.-area car dealership where Christopher Pye works hae dwindled, so hae
the commissions that were 40% o his income in ood times. Barely able to aord his $850 monthly
mortae and pay or roceries, he says somethin had to ie: his two youn sons annual medical
checkups. Its just a little too expensie riht now, says Mr. Pye, 32-years old, who says he cant aord
to hae his amily on the company health plan or to pay up ront or the isits. This month, Mr. Pye is
cancelin his own insurance, hopin the $56 hell sae in weekly premiums will pay or the exams o his
boys, aes 3 and 4, later.1
By supporting community health centers, donors can help amilies like the Pyes stay healthy and avoid the
more serious health problems that come rom oregoing care. In addition, existing nonprot models provide
cost-eective programs targeting amilies who are especially vulnerable.
the Context
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN15
I m
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hoW philAnth ropiC CApitAl CAn ChAnge the situAtion
solution 1 : inCreAse ACCess to Comprehensive primAry And
preventive CAre by supporting Community heAlth Centers
Cmm z-
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greaT BaNg for BuCk: CommuNITy HealTH CeNTers
Average cost:$560 / or access to comprehensive primary care8
representative impacts:
For : significantly better health outcomes, such as 11% lower rate of low birth weight infants and
8% higher rates of blood pressure control (compared with national average) despite serving communities at
higher risk for both9
For : an estimated $10 billion to $18 billion saved by averting more costly hospital- or ER-based care 10
For : for every $1 million invested, $6 million in direct and indirect economic benefits
through job creation and local business stimulus11
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy16
Cmm :
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comprehensive primary care:
Well checkupsTreatment when sick
Complete care during pregnancy
Immunizations and checkups or children
Dental care and prescription drugs
Mental health and substance abuse care
supportive services to help
Families access care and
stay healthy:
Outreach and health education
Social workers
Translation
Transportation and mobile units
fIgure 1: CommuNITy HealTH CeNTers make PrImary Care aCCessIBle
[T]he community health center model has proven
effective not only in increasing access to care, but
improving health outcomes for the often higher-
risk populations they serve.
Te Institute o Medicine 8
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN17
S CHC m
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mx
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m
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Models
in Practice.
Community
Health CenterAWalk-in
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OiceC
Emerency
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Facility type
CHarT 1: CommuNITy HealTH CeNTers: aN affordaBle oPTIoN for uNINsured famIlIes
Comparison of out-of-
pocket costs incurred by
an uninsured, low-income
patient for treatment of a
common ear infection at
different provider sites
S: A S
;
B A; C H
B B2
700
600
500
400
300
200
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patient
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy18
enhncin tch t n nin n h-t-ch pptin
Many people in need o care, especially the newly unin-
sured, are unaware o the services at CHCs and how to
get access to them. Private philanthropy can help by sup-
porting community outreach workers and support person-
nel who ensure that amilies in need know about and can
obtain clinic services.
For example, Community Healthcare Network(CHN) o NewYork estimates that our out o ive people who could use
its services do not come in. Instead, they oten end up in
emergency rooms when their health deteriorates. Com-
munity health educators and skilled call center/custom-
er service sta can overcome access barriers and help the
newly uninsured get the care they need.
A community outreach educator provides inormation
about a clinics services to those at greatest risk or being
uninsured, and delivers health programs in areas such as
nutrition and sexual health to teenagers in high schools.
Well-trained support sta, such as call center personnel,
answer calls, link patients to the services they need (e.g.,
doctor visits, case management, translation, transporta-
tion), and provide answers to basic health questions. For
some CHCs, mobile units help reach rural amilies spread
out over large distances or engage urban teenagers who
would rarely come to a clinic. Quality inormation and
communication on irst contact with the CHC mean more
amilies get the care they need and take advantage o the
eective CHC model.
For more details on these models see High Impact Phi-
lanthropy in the Downturn: Additional Sources and Due
Diligence on our website www.impact.upenn.edu.
models in practice:
Incin cnit hth cnt (CHC) cpcit t t in n
Escalating unemployment rates mean community health
centers see more uninsured and underinsured pa-
tients. This demand comes at a time when essential und-
ing rom state grants and public insurance is threatened
by state budget shortalls. In order to bring more quality
care to more people, CHCs need additional sta, inra-
structure, and systems. Philanthropic support can bridge
the gap between public unding and the cost o providing
CHCs core services to the growing number in need.
CHCs like Salud Family Health Centers in Colorado have ex-
perienced a steady increase in demand or services, most-
ly rom the newly uninsured. In 2008, ity-two percent o
its patients were uninsured and eligible or sliding-scale
payment based on amily size and amily income. As ed-
eral and state grants cover only a small portion o costs
or uninsured patients, there is an increasing gap between
the cost o services provided and unds to cover those
costs.
Private philanthropic capital can expand a core program
such as dental health services that are currently under-
unded. Examples o core sta that are needed are nurses,
doctors, pharmacists, and health educators.
In addition to human capital, CHCs need capacity invest-
ments in systems that increase their quality and ei-
ciency. For example, Clinica Sierra Vista in Fresno, Cali.,an area hard hit by the recession, seeks to expand its
electronic patient registry and tracking program. By creat-
ing an interace between patient records, lab reports, and
clinic visits, these programs help clinic sta understand
who needs what tests, who is doing ine on their own, and
who needs more help. For chronic illnesses such as dia-
betes and asthma, as well as outreach eorts or breast
and cervical cancer, such systems can help CHCs target
their limited resources to where they can do the most
good. They are particularly needed or outreach to mobile
or migrant populations to ensure that patients receive ap-
propriate screening and ollow-up care. -m Image provided by Clinica Sierra Vista
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN19
Nine-year-old Michael was carried into the dental clinic o the Community HealthCenter o Southeast Kansas (CHCSEK) in Pittsburg, Kansas, with a high temperature and an abscessed
tooth. He hadnt eaten solid ood in weeks. There was no dentist in the community that accepted Medicaid.
The school nurse contacted the nearby CHCSEK clinic and was told to bring Michael to the center right
away. Crying and rightened when he arrived, Michael was bundled into blankets and comorted while thedentist examined him. It was evident that Michael had been enduring an enormous amount o pain or
weeks and he was within hours o having to be hospitalized. Michael was given a large dose o antibiotics
and the tooth was extracted. Michaels ace immediately lit up with relie despite his d iscomort due to the
inection.
The health center continues to provide care or the extensive decay persisting throughout Michaels mouth.
When sta went to Michaels school a ew months later to screen 700 other children, he took the hands o
CHCSEK sta, led them into his classroom and announced These are my riends and they will help you.
Adapted rom U.S. Department o Health and Human Services. (2008, June). Health Centers: Americas Primary Care Saety Net,
Relections on Success, 2002-2007.Rockville, MD.tp://tp.hrsa.gov/bphc/HRSA_HealthCenterProgramReport.pd
c o m m u n i t y h e a l t h i n a c t i o n
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy20
solution 2: su pport tArgeted prevention And heAlth eduCAtion
progrAms for esp eCiAlly vulnerAble p opulAtions
F m (.. mm
), m
. Hm -
m -
m
, - m .
Exm m :
m- m
m -
m m
m
m m
, x
P . M
m -
. Y, mm
m f
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I Model in Practice - x,
xm - m -
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greaT BaNg for BuCk: TargeTed PreveNTIoN aNd HealTH eduCaTIoNPrograms
a 5
example community education and prevention
After five years, an investment of $10 per person per year in -
directed at physical activity, healthy eating, and reduction in smoking
$5.60 , taking into account only reductions in healthcare costs and not
including improvements in productivity, school achievement, or quality of life.23
example targeted home-based support
Nurse-Family Partnership (a nurse visitation program for first-time moms): a 2005 cost-benefit analysis by
RAND found that , $5.70, providing a net benefit to
society of over $34,148 per high-risk family served. 24
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN2
model in practice:
H-b pntin: Hpin it-ti pnt cc
a : Pioneered by the nonproit Nurse-
Family Partnership (NFP), this program targets low-income
mothers pregnant with their irst child. Participating moth-
ers are partnered with a registered nurse early in preg-
nancy and receive in-home support and guidance through
their childs second birthday. Support rom nurse home
visitors begins with education or the women and their
amilies about healthy pregnancy practices such as good
nutrition, regular and early prenatal checkups, and quit-
ting smoking. It then progresses to coaching parents in
providing care or their newborn, inant, and toddler, plan-
ning uture pregnancies, and developing skills to reach
education and work goals.
Registered nurses receive more than 60 hours o train-
ing in the NFP model, meet with supervisors on a regular
basis, and come together as teams or case conerences
to learn rom one another and ensure the highest standard
o care.
i: Evidence rom more than thirty years o re-
search and three randomized controlled trials substanti-
ates signiicant beneits or both mother and baby. They
include:29
48% decrease in child abuse and neglect
56% reduction in ER visits or accidents and poisoning
67% reduction in behavioral and intellectual problems
at age 6
59% reduction in arrests by the time child is age 15
83% increase in labor orce participation by the mother
c-: In addition, studies have ound the program
provides an excellent return on investment or society.
RAND researchers ound that or every one dollar invest-
ed, the program returned $5.70, providing a net beneit to
society o over $34,148 per high-risk amily served. 30 The
best returns were achieved by targeting the program to
Image provided by Nurse-Family Partnership
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy22
amilies at highest risk as the return on investment (ROI)
was less or lower-risk amilies. Societal savings came
rom increased tax revenues rom increased employment,decreased welare costs, lower criminal justice costs, and
reduced costs or healthcare and other social services.
(See Chart : Nurse-Faily Partnership: Mon-
etary beneits to society.)
r : While the Obama administration
has expressed support or the expansion o nurse home
visitation programs, states hard hit by the recession have
had to cut unding or these programs. For example, Detroit
and surrounding counties in Michigan cut state unding to
their well-established NFP program as o July 1, 2009.
Such unding cuts provide a high leverage opportunityor private philanthropy to step in and keep the programs
running, especially as there are ederal dollars available
to match local unds. In general, private philanthropy can
support activities that will enhance the impact o existing
programs and enable the replication o the model in more
communities o need. Private philanthropists can increase
the impact and capacity at current sites by providing undsor nurses, nursing practice consultants, inormation sys-
tems or tracking outcomes, and training and oversight to
ensure implementation idelity.
For more details on this model see High Impact Philan-
thropy in the Downturn: Additional Sources and Due Dili-
gence available on our website: www.impact.upenn.edu.
To learn more about NFP, visit its website: www.nurseam-
ilypartnership.org or contact Scott Shirai, chie develop-
ment oicer, at [email protected]
or (303) 327-4246.
CHarT 2: Nurse-famIly ParTNersHIP: moNeTary BeNefITs To soCIeTy
S: 25 RAND C S3
$ $10,000 $20,000 $30,000 $40,000 $50,000
net present value dollars per child 2003
HIgHER RISK FAMILIES
LOWER RISK FAMILIES
Beneit
Cost
Cost
Beneit
increased participant income
savings to government
reduction in tangible crime losses
cost
model in practice (continued):
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN23
solution 1: h f
T 7,2 U S
mm m
m mm-
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A F Q-
H C (FQHC) FQHC--.
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tAKing ACtion
TIPs for assessINg CommuNITy HealTH CeNTers
alk to health center leadership
A m m
mm
, mm
m -
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m x
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m
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy24
A , m -
m m mm
. Y m x-
m .
I x , xm -
CHC
. T xm m m
CHC m.
solution 2: h f -
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.@m.
(33) 327-4246 hp://www.
neamilypanehip.og/conen/index.
cm?eacion=howMap&navID=17
T m m 2
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m mm
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m , m-
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mm.
greaT BaNg for BuCk: How your dollars Could HelP
For less than $600 per person per year, CHCs deliver impressive health outcomes (see page 15.)
examples oF how philanthropists can extend this model to more people and/or improve
the eFFiciency oF existing chcs:
$35,000 would allow Salud Family Health Centers to equip a dental exam room with X-ray equipment and
instruments, and $150,000 will cover a dental team comprised of a dentist and a hygienist, making it possible
for an additional 2,000 patients to receive a year of standard dental care. 34
$45,000 will cover a typical performance tracking program, including personnel and computer expenses, at one
ofClinica Sierra Vistas health centers, to track patients and provide appropriate follow-up.35 Such programs
allow CHCs to target their limited resources to where they can make the most difference in patient care.
AtCommunity Healthcare Network, an investment of $35,000 will fund a community health educator who can
provide important health information (e.g., substance abuse prevention, child nutrition, HIV prevention), as well
as guide community members to appropriate clinic services. In addition to providing health education to at-risk
communities, one additional outreach worker could also mean, conservatively, that three to five new patients
each week, or an additional 150 to 250 patients each year, would take advantage of clinic ser vices.36
We offer these not as a menu but rather simply to provide you with examples of the types of unmet needs we
heard from leaders of CHCs across the country.
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN25
TIPs for assessINg good ouTreaCH
Programs
W mm, , m,
mm - :
x
mm
m m mm-
m
m-
m m
Of, m mmm mm
m.
expin t ip cc n
c bn inii cniti
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aitin c ptnhip
n th cnt, tt, ntin
-- m m ,
,
:
Pimay Cae Aociaion (PCA). E
PCA mm mm-
-
CHC ,
m , . A
PCA : hp://bphc.ha.gov/echni-
calaiance/pcadiecoy.hm.
Pblic healh inie x m
mm m. T
mm
z
. T N N P
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: www.nnphi.og/home/ecion/2/
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NGO
m m
-
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hp://www.phny.og/index.php ,
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CHC :
T Naional Aociaion o Commniy Healh
Cene m -
CHC
m m. A-
m m CHC
: hp://www.
nachc.com.
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy26
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN27
opportunity 3
Ensure access to food by supporting
emergency food providers and linking
eligible families to benets such as SNAP
(formerly, food stamps)
Nb 2009
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy28
H mm, , m
m. A , m
m m m . I 27,
m USDA -
, 36.2 m Am
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mm
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m, .2 Ex -
m -
.
G
m
m,
, mm ,
m ,
, mm.
the Context
We are able to show quite precisely that because
people cant afford to pay for housing, health care,
transportation, child care, other basic expenses, as
well as all the food they need, they are forced to
frequently ration food.3
Joel Berg, author o All You Can Eat:
How Hungry Is America
Since losin her job, it has become impossible or Sarah Hammer to make ends meet. Eery day, she
takes her two dauhters to Boston Medical Center or their seere asthma. Their heat and lihts had been
cut o. To make sure the irls were ettin their nebulizer treatments, her landlord was lettin her run an
electric cord rom the basement, and the neihbors were lettin the irls bathe at their apartment to aoid
their asthma rom bein triered by cold showers. To pay the rent, the amily had cut back as ar as they
could on ood.1
Shoring up existing networks o emergency ood providers and linking eligible amilies to benets can prevent
a amily like Sarah Hammers rom going hungry. Making sure amilies have access to nutritious ood, in
particular, can help prevent lost productivity and health problems or adults and irreversible losses in
cognitive skills and development in children.
hoW philAnth ropiC CApitAl CAn ChAnge the situAtion
T mm
m
.
solution 1:e F p: Ex
-
m-
. F x
m .
H, m-
z ,
, m
. T
,
.
solution 2: bf a p: C
m. Sm m,
SNAP (Sm N A P-
m, m m),
. O (..,
) /
x (.., LIHEAP L-Im
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.
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN29
E
m . H,
m.
M m m,
z. B
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m,
. U, m
m ,
m , m
m , -
. W
-
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m
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m -
m
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m . F x
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$.78 m
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SNAP m x-
m m m m
m .
solution 1 : emergenCy food providers
greaT BaNg for BuCk: emergeNCy food ProvIders usINg HIgHlyeffICIeNT sourCINg aNd dIsTrIBuTIoN sTraTegIes
Cost per impact:As little as $16 $37 k8
Choice and/or bulk purchasing models (see Model in Practicesections that follow) represent a particularly
efficient and effective strategy for emergency food providers. By comparison, the US Department of Agriculture
(USDA) estimates that it costs a family of four on a low to moderate budget $150 to $220 to purchase enough
food to feed themselves for a week.9
However, the choice model is a relatively recent innovation, and a typical food bank can spend $150 or more
to feed a family of four for a week. Philanthropists can help local providers become more efficient by funding
regional networks that provide logistics and bulk purchasing capabilities, making monetary donations instead
of food donations, and supporting providers efforts to incorporate other aspects of the choice model into their
operations.
Em , -
, m
. C, ,
m
m. F
m
5, 29% 38% m
.6 I m
US C M Dm 28, 2
m
m.7
Source: Olsen, E., Almeida, M. (2009, July 29). A Year o Struggle at a Food
Bank. Retrieved August 6, 2009, rom http://video.nytimes.com/vid-
eo/2009/07/29/us/1247463625625/a-year-o-struggle-at-a-ood-bank.html
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy30
P -
m . W
m m m m
. T
m m . T
m m
. I Model in Practice , -
m, -
m m. I aking Ac-
tion 36,
.
model in practice:
wt Nt, wnt Nt chic piin nc
a : In the choice model, ood banks pur-
chase ood at signiicantly discounted wholesale prices,
ar more cheaply than the general public can. Food banks
then allow clients to select their own ood rom super-
market-style displays. This approach diers signiicantly
rom that used by most ood pantries, where volunteers
pre-sort ood into identical boxes that are then distributed
to clients regardless o client needs. The choice model
has been pioneered by Feeding America West Michigan
Food Bank (ormerly Second Harvest Gleaners Food Bank
o West Michigan, Inc.), the regions nonproit clearing-
house or ood since 1981. In its implementation o the
model, West Michigan reers to it as the Waste Not, Want
Not program.
i: The model has helped increase West Michigans
distribution rom 8.3 million pounds o ood in 1994 to
22 million pounds in 2008. Using this model, the ood
bank expects to distribute 24.5 million pounds by the end
o 2009, providing ood to 400,000 needy people annu-
ally. Compared with traditional practices, it wastes hal
as much ood, drops the cost o addressing hunger, and
ensures that people are ed according to their needs.10
c: 15 cents per pound to acquire and distribute
ood.11
c : We estimate that it costs between $16
to $20 to eed a amily o our or a week. We calculated
this estimate based on ood provider and US Department
o Agriculture estimates o per person average daily con-
sumption and nonproit-reported costs.
12
For more details on this model see High Impact Philan-
thropy in the Downturn: Additional Sources and Due Dili-
gence available on our website: www.impact.upenn.edu.
For more inormation and a detailed guide on how to es-
tablish a Waste Not/Want Not or choice model pantry
in your community, visit: www.endhungerinamerica.org/
EndHunger.pd.
To learn more about Feeding America West Michigan Food
Bank, contact John Arnold, executive director, Feeding
America West Michigan Food Bank, at (616) 784-3250,
x206 or [email protected]. You can visit their web-
site at: www.wmgleaners.org.
Image provided by Feeding America West Michigan Food Bank
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN3
model in practice:
ain bth hn n ntitin thh ip tch n piin
tti
a : By employing a multi-pronged ap-
proach to emergency ood provision, emergency ood
providers can help meet heightened demand while also
making healthy ood more accessible to those in need. For
example, Philabundance, the largest hunger relie organi-
zation in the ten-county region surrounding Philadelphia,
has responded to the downturn by:
Delivering resh produce to hard-hit neighborhoods
where residents select perishable items right o the
truck. Philabundance has doubled the number o its
year-round Fresh for Alldelivery sites rom six to twelve
in response to increased demand.
Implementing the Emergency Food Responsesystem, a
toll-ree hotline or individuals seeking inormation about
ood assistance
Introducing pick-up points beyond established pantries
or one-time emergency ood box with three days worth
o ood or a amily o ive
Partnering with St. Josephs University and the Mayors
Oice o Community Service to pilot choice model o
distribution as pioneered by the Feeding America West
Michigan Food Bank (see previousModel in Practiceon p
30) .
These represent promising strategies that other ood
banks can adopt.
i: Provides approximately 65,000 people per week
with ive pounds o ood to supplement what they obtain
rom other sources, or enough ood to cover the weekly
consumption needs o 9,000 to 15,000 people. 13 In 2008,
Philabundance distributed 17 million pounds o ood
within its ten-county service area and exported six mil-
lion pounds o additional ood, primarily produce, to oodbanks in the Feeding America network.14
c: 28 cents per pound to acquire and distribute ood,
well below the wholesale rate o $1.50 per pound, because
o signiicantly discounted prices rom the ood industry.
The organization also receives some ood at no cost rom
distributors or whom it is cheaper to give away ood than
to dispose o it in landills at $65 per palette.15
c : We estimate that it costs between $30
and $37 to eed a amily o our or a week. 16 Although this
is twice the cost o the Waste Not/Want Not or choice
model pioneered by West Michigan, it is still signiicant-
ly lower than the USDA estimate o $150 to $220 or a
amily o our on a low to moderate budget to purchase
enough ood to eed themselves or a week17 and there-
ore represents a useul benchmark or eiciency or do-
nors interested in supporting their local agents who may
not have existing inrastructure to implement the choice
model at this time.
For more details on this model see High Impact Philan-
thropy in the Downturn: Additional Sources and Due Dili-
gence available on our website: www.impact.upenn.edu.
To learn more about Philabundance, contact Martha M.
Buccino, senior vice president and chie development o-
icer at (215) 339-0900 x 30, or Mbuccino@philabun-
dance.org. Visit its website at: www.philabundance.org.
Image provided by Philabundance
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy32
Em -
. H, ,
m m
. SNAP (Sm-
N A Pm, m
m) m
m .
T mj
. I 26,
SNAP -m
m 57%. F
, 34%.8 C -
: x- m, m -
, ,
,
m ( ) ,
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I Models in Practice xm 34 36,
m -
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.
einc n ipct n icinc
pbic bnit p
S m m
m
. T
m , , -
m m. H
m -
m m
m .
T SNAP
m m -.9 A US Dm A
C B P P
m m , m-
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m M.m m
M Z SNAP
m 3 m xm
m ,
mm m m (See Chart 1:
Fiscal Econoic Bang or Buck).2
O m -
m
solution 2: ACCess to snAp ( food stAmps) And other
publiC benefits
greaT BaNg for BuCk: BeNefITs aCCess Programs
Cost per impact:Estimated $70 $230 in
beneits prorams that help maintain household access to basic essentials such as ood22
Some programs such as SNAP specifically target food and nutrition. Others serve as work supports (e.g.,
childcare subsidies) and/or help with other urgent expenses such as heating bills. Such assistance helps preventstrapped families from rationing food.
Access barriers differ by benefit program and population. These differences account for some of the range in our
cost per impact estimates. However, all these estimates compare f avorably with the median and average costs
observed across the 19 USDA-funded outreach efforts for food stamps (SNAP) in 2002. The median cost to
successfully enroll a client in food stamps was $776 (with an average of $1,558 and a range of $126 to more
than $4,000).23
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN33
m m .
W z
m, 26 C
B P P -
m m Am (.., 44%
3 m)
m .24
A note on reported ROI or benets access programs
I , m -
m m m
,
m . H,
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, ROI m
m . W
m, m
$.4 $ SNAP
m .25 I ,
$2 $3 m
SNAP , m $5 $22
m m m
. W m m m
m m m-
(see Great Bang or Buck, page
), SNAP m
m m
j m m m (see below: Chart 1: Fiscal Econoic Bang or
Buck). T m -
m
SNAP. T, Models in Practice, -
m m ( m
m,
www.impac.penn.ed).
F m -
-
m , mm
m
29 3.
Nnpit tin t cnnctin
iib ii t bnit
I m x , m-
z
-
m -
, m
CHarT 1: esTImaTed fIsCal eCoNomIC BaNg for BuCk
$0.00 $0.20 $0.40 $0.60 $0.80 $1.00 $1.20 $1.40 $1.60 $1.80 $2.00
one year change in real gdp For a given $1 reduction in
Federal tax revenue or $1 increase in spending
t
e ui f
i
g
p
r -
a
n- -
e
mk
c
mk b
a
tax cut or spending increase
Source: Zandi, M. (July 24, 2008).2
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy34
models in practice:
ocin bi t bnit nnt th in p
a : Launched in 2004 by the national
nonproit Seedco, EarnBeneits helps the working poor
gain access to beneits. Currently operating in six cit-
ies (Atlanta, Baltimore, Bualo, Memphis, New York, and
Louisville) and soon in Tulsa, EarnBeneits partners with
local community organizations to assist clients through
three stages o the enrollment process: outreach, eli-
gibility screening and application, and ongoing beneits
management. At partner sites and through its website,
EarnBeneits provides user-riendly materials that inorm
low-wage workers about available beneits and their eligi-
bility. Proessional counselors provide on-site, one-on-one
help, guiding clients through application processes and
later ollowing up to provide assistance with recertiication
as well as suggestions or additional beneits or which
clients may be eligible.
i: From January 2005 through June 2009, Earn-
Beneits has screened 75,580 people to determine their
eligibility or beneits, enrolling 46,405 in at least one ad-
ditional beneit program. In total, it has enrolled its clients
in more than 57,961 beneit programs.27
c: Costs all into three broad categories: technol-
ogy and technical assistance ($150,000 or year one;
$50,000 annually or subsequent years), program man-
agement ($100,000 or year one; $30,000 to $50,000
annually or subsequent years); and counseling($50,000
annually or a proessional counselor; $20,000 annually
or an AmeriCorps member).28
c : On average, $215 to successully en-
roll a new client in at least one beneit program, with a
potential range o $125 to $800, depending on the com-
plexity o a clients situation and the cost o counseling
(i.e., proessional vs. AmeriCorps).29
To learn more about EarnBeneits, visit its website: http://
www.earnbeneits.org. Alternatively, contact Michelle Hen-
ry, senior program manager or asset building, Seedco, at
(212) 204-1337 or [email protected].
, -
m . W m
, m
m :
Sm mx
-. S
m m
m m
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m
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.
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m m m
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mm - , m
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m-
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m m 9 USDA-
m (SNAP).
B m 22,
m m $776 $,558,
$26 m $4,.26
THe CeNTer for HIgH ImPaCT PHIlaNTHroPy34
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN35
a : Currently, only about a third o the
elderly eligible or SNAP receive them.30 A complex enroll-
ment process, involving multiple orms and oten requiring
numerous accompanying documents and in-person inter-
views, presents barriers to many eligible clients, but es-
pecially the elderly poor. Beneits Data Trust (BDT) has re-
cently pioneered an approach to overcome these barriers
and is seeing impressive early results. Using an approach
modeled on successul credit card marketing programs,
BDT obtains lists rom government and private organiza-
tions and cross reerences them to identiy seniors who
are eligible but not receiving beneits. It then contactseligible individuals through direct mail and automated,
prerecorded telephone calls. Through its call center, BDT
assists those it contacts by illing out applications elec-
tronically and submitting them to the appropriate agency.
A client usually can complete up to three applications
during a 30-minute call. Since BDT representatives keep
detailed electronic logs o their contact with clients, any
representative can provide prompt service when a client
calls in. Tracking also supports BDTs eorts to assess
and analyze its perormance. In addition to assisting with
SNAP enrollment, BDT helps low-income seniors gain ac-
cess to Low Income Home Energy Assistance Program (LI-
HEAP) and drug beneits.
i: Screened 11,000 clients and completed 6,166
applications, yielding 4,471 new beneits accessed be-
tween September 2008 and January 2009. These enroll-
ments all helped people 65 and over.31
c: $300,000 to cover computers and phones, sala-
ries and beneits or call center representatives, program-
ming or beneits, and direct mail costs.32
c : An estimated $67 per newly enrolled
client. This number is decreasing as BDT enrolls more cli-
ents, leveraging economies o scale.33
To learn more about Beneits Data Trust, visit its website
at: http://www.bdtrust.org. Alternatively, contact Michelle
Raymond, development director, at (215) 207-9106 or
Ipin tt-i cc thh b pbic-pit ptnhip
a : For many programs, processes and
eligibility or enrollment dier by state. The Ohio Ben-
eit Bank (OBB) is one o nine state eorts by the Work
Supports Initiative, a public-private partnership to connect
low-and moderate-income amilies with work supports,
The Ohio Beneit Bank (OBB) is a public-private partner-
ship o the Ohio Governors Oice o Faith-Based and
Community Initiatives, Ohio Association o Second Harvest
Foodbanks, oundations, and other aith-based, nonproit,
governmental, and private-sector organizations. Its web-
based service reduces complex tax and beneit orms to
simple questions written at a 4th-grade level. A network
o community-based nonproit partners (e.g., churches,
legal aid services, and ood pantries) oers the web-based
service, and a corps o trained volunteers assist clients
with entering answers to questions. The service uses the
answers to assess a persons eligibility or about 20 ben-
eits across our categories: ood,medical, tax assistance,
and other supports (e.g.,childcare and home energy as-
sistance). The counselor then helps the client complete
and submit the appropriate applications.
i: Since its inception in 2006, OBB has trained
more than 5,300 volunteer counselors who help clients
at nearly 1,200 sites in all o Ohios 88 counties. OBB
has screened more than 88,000 people and completed
32,000 beneit applications. Based on assumptions made
by OBB, the screenings are estimated to have producedmore than 22,000 new enrollments in public beneit pro-
grams.34
c: Costs or launching an eort in a new state all
into three broad categories: initial investment in technolo-
gy and technical assistance ($950,000 to $1,600,000 or
year one);ongoing operational support (estimated at 35%
uin cit c tin tchniq t pi bnit t th n
models in practice: (continued):
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy36
Em -
m mm
. A mm
m mmm m -
-m
m. W
mm- , x -
, m
, m
m.
O
m z -
, x. P-
mm
x -
m.
tAKing ACtion
Images provided by Philabundance
models in practice: (continued):
Ipin tt-i cc thh b pbic-pit ptnhip (cnt)
o technology costs, or $330,000 to $560,000 annually);
and civic engagement and counseling eorts ($600,000
to $650,000 annually).35
c : Between $170 to $230 or a state with
a program and client population similar to that served by
OBB. State demographics and geography, state-speciic
technology requirements, and relationships with civic en-
gagement partners (e.g., community colleges) are exam-
ples o actors that can inluence both the cost and impact
o a new program.36
To learn more about Ohio Beneit Bank, go to its web-
site at: http://www.obb.ohio.gov. To learn more about the
Work Supports Initiative, go to: http://www.mdcinc.org or
contact Ralph Gildehaus, senior ellow at MDC, the North
Carolina-based nonproit ounder and managing partner o
the Work Supports Initiative, at (919) 251-8818.
For more details on these models see High Impact Philanthropy
in the Downturn: Additional Sources and Due Diligence aailable on our website: www.impact.upenn.edu.
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurN37
h f
:
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TIPs for assessINg emergeNCy food
ProvIders:
S :
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Practice 3 m ). A
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPy38
TIPs for assessINg BeNefITs aCCess
orgaNIzaTIoNs:
T m -
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:
EArNBENEIts
Clien poplaion: L-m
Locaion: A, Bm, B, Mm,
N Y C, L,
Conac: M H, m m
Email:[email protected]
Phone: (22) 24-337
Web:www.eanbene.og
BENEIt DAtA trust
Clien poplaion: L-m
Locaion: P; N Y
C, P; x
Conac: M Rm, m
Email:[email protected]
Phone: (25) 27-96
Web:www.bd.og
OHIO BENEIt BANk
Clien poplaion: L m-m -
Locaion: O; B B PA,
FL, DC, MD, MS, KS, AK
Ohio Benet Bank
Web:www.obb.ohio.gov
MDC
Conac: R G, MDC
Email:[email protected]
Web:www.mdcinc.ogBenet BankM
Conac: B B, CEO
S P, I., -
B B
Email:[email protected]
Web: www.hebeneban.com
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurNRef-
organiZation where they worK website page no.
o 1: p F
c c
c s
(cccs) a (k
ca)
Face-to-Face
counselin aailable at
30 locations in georia,
Florida, Mississippi,
Tennesse
Phone counselin
aailable nationally
www.cccsatl.org 8
nwk
a
National www.nw.org 10
hn a National www.hopenow.com 11
o 2: s
s F h
c
Colorado www.saludclinic.org 18
c s v Fresno, Kern, Inyo
counties, Caliornia
www.clinicasierravista.org 18
c h
nk (chn)
New York City, New York www.chnnyc.org 18
c h
c s
K (chcseK)
Southeast Kansas www.chcsek.org 19
n-F
p (nFp)
National www.nurseamilypartnership.org 21
u w Worldwide www.211.org 23
n a
c h
c
National www.nachc.com 25
list of nonprofits
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THe CeNTer for HIgH ImPaCT PHIlaNTHroPyRef-ii
organiZation where they worK website page no.
o 3: e
F a w
m F bk
West Michigan www.wmleaners.or 30
p Delaware valley www.philabundance.org 31
ebf Atlanta, Baltimore, Bualo,
Memphis, New York,
Louisille, Tulsa
www.earnbenefts.org 34
bf d t
(bdt)
Philadelphia, Pennsylania www.bdtrust.org 35
o bf bk
(obb)
Ohio www.obb.ohio.gov 35
bf bk Pennsylania, Florida,
District o Columbia,
Maryland, Mississippi,
Kansas, Arkansas
www.thebeneftbank.com 35
mdc, i North Carolina www.mdcinc.org 36
F a National www.eedingamerica.org 37
list of nonprofits (Continued)
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurNRef-i
VMA Cmm. (29, J 6). Is anybody listening? A testament by Village Academy High School students on the
economic crisis. R Sm 7, 29, m ://..m//mmm.
2
Km, M., B, J., C, F.R., Fm, K., H, C., H, D. (29, M 7). T : P N Y . New York imes. R Sm 7, 29, m ://.m.m/
/29/5/7//-j/2957_FORECLOSURE.m.
3 L, P., I, J. (28, A). Te impact o the mortgage crisis on children and their education . W, DC: F F.
R J 28, 29, m ://../~/m/F///28/4_m__/4_m_
_..
4 E, B., OC, K., D, S., P, S. W. (28, A 5). Foreclosure to homelessness: Te orgotten victims o the
subprime crisis: A national call to action. W, DC: N C Hm. R J 28, 29, m
://../m/FHmA528..
5 C R L. (29, M). Soaring spillover: Accelerating oreclosures to cost neighbors $502 Billion in 2009 alone.
R M , 29, m ://../m-/-/--3-9..
6 Imm, D., Sm, G. (26, Nm). T m -m m m. Housing
Studies, 2(6), 85-866.
7 A, W.C., D, M. (25, M ). Collateral damage: Te municipal impact o todays mortgage oreclosure boom.
Hm P F. R A , 29, m ://.995.///A_D_S_
S_V..
8 M B A. (29). N : S 29. R O 9, 29, m ://
.m./PD.x?_=EC-38-RP-I. N: 3.6% --j
m MBA N D S. M
m .
9 S R 5.
RERm. (29, S 7). FC announces new enorcement actions in continuing crackdown on mortgage relie services scams .
R Sm 7, 29, m ://.m.m/29/9/7/f---m---
---m---m-ID6.m.
F M. (25). Foreclosure avoidance research. R M 9, 29, m ://.m.m//m//
__25..
2 S R 7.
3 S R 5.
4 T (.., $36 ) mxmm m (.., $34,)
A m m x (.., 9 m) j C
R L.
5 S R 5.
6 S R 5.
7 S R 6.
8 CCCS A. (29, J 2). Consumer credit counseling service o greater Atlanta helps record number o people in 2008.
R J 5, 29, m ://../mRm/RD.j?=83
9 Cm C C S. (29, J 7). Using technology solutions to improve outcomes in oreclosure prevention:
A presentation to Kat Rosqueta and Hilary Rhodes, Te University o Pennsylvania. A, GA.
2 H, C., m, J., R, C. (28, Sm). Te state o the housing counseling industry. U.S. Dm H
U Dm. R M 9, 29, m ://../P/PDF/_..
2 P mm M C, Ex V P C O O CCCS A, J 7, 29.
22 S R 2.
opportunity 1 : referenCes And endnotes
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23 F m A A m m , HUD- . T
m m. F, , . S,
(.., m , ). T, m m
. F, m
; m m. I m
, m $45 $862 .
24 S R 2.
25 L 5 : ACHIEVE, ACORN, C P Cmm C, D Cmm S/Dx
H, H P NAC, L CDC, N K CDC, N CDC, N S C A, P
Umm Pj (PUP), GPUAC - S Hm/S N - W O L, S CDC, S
M NAC, T P CDC, U Cmm S P, W P NAC
26 P mm C , O 6, 29 Nm 3, 29.
27 T U S C M. (29, J 29). USCM, A, m m
m . U.S. Mayor Newspaper. R O 27, 29, m ://m./
m/m/6_29_9/6_ACORN.; T, G. (29, J ).Mayors laud Acorn anti-oreclosure eorts.
R J 2, 29, m ://..m///69/M__A___.m.
28 ACORN. (29). R R: H P M R F A C. R J , 29
m ://../m/ACORN_R/29/R__R_R..
29 Ex G Nm 29.
3 C ACORN , A J 29.
3 S R 3.
32 P --m . S : .m..
m.
33 S R 2.
opportunity 2: referenCes And endnotes
Fm, V. (28, Sm 22). Consumers cut health spending, as economic downturn takes toll. R A 26, 29,
m ://.j.m//SB22249875666845.m.
2 A, J. Z., Wm, J. S., S, E. C., G, J. A., Z, A. M. (2, O 25). Um
U S.Journal o the American Medical Association, 284(6), 26-269.
3 Hmm, D. U., W, E., T, D., W, S. (25, F). I j .
Health Aairs, W5, 63-73.
4 C, S. (29, J ). U.S. initial jobless claims decreased last week . R J , 29, m ://.m.m/
/?=2668=QQRSN.
5 L.. (29). Health: Key health acts. R J 2, 29, m ://..//.
6 Gm . P., K, R. G. (29, J/A). H m : H m Am
2? Health Aairs, 28(4), 573-577.
7 Fm USA. (29, J). Te clock is ticking: More Americans losing health insurance coverage. R J 24, 29, m ://
.m.///-m/--..
8 U.S. Dm H Hm S, H R S Am. (28) Te health center program:
2007 national aggregate UDS data. R J 2, 29, m ://..//27/R//SSmmR.
m.
9 U.S. Dm H Hm S, H R S Am, B Pm H C.
(28, J). Health centers: Americas primary care saety net, reections on success, 2002-2007. R J 2, 29, m: f://f.
.//HRSA_HCPmR..
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HIgH ImPaCT PHIlaNTHroPy IN THe dowNTurNRef-v
N A Cmm H C, R Gm C C L. (27, A).Access granted:
Te primary care payo. R J 2, 29, m ://..m//A_G_FULL_REPOR..
S, P., F, B., Rm, S. (28, F 25). How does investment in community health centers aect the
economy? G G Pm/ RCHN Cmm H F, R B #. R M 2, 29, m:
://.m.//m//_P/_/P_A5C8D794-556-9D2-
3DD5D5A9CD2DAFD.2 N A Cmm H C. (28, A). Health centers and the uninsured: Improving health and access to
care actsheet. R A 2, 29, m ://..m//m/U_F_S_FINAL92..
3 I m mm z (
) S 33 U.S. P H S A. T
(FQHC). FQHC - m m FQHC
.
4 S R 9.
5 D, A., P, Y., S, P. Rm, S. (28, A 3). Uninsured and Medicaid patients access to preventive care:
Comparison o health centers and other primary care providers. G G Pm/ RCHN Cmm H F,
R B #4. R A 2, 29, m ://.m.//m//CHPR//
RCHN_4_8-3-28..
6 S, P., J, K., Rm, S. (23, Sm). Reducing racial and ethnic health disparities: Estimating the impact o highhealth center penetration in low-income communities. P N A Cmm H C. R
J 5, 29, m ://.m.//m////GWU_D_R..
7 E, S., M, P., G, P. (28). C Am m m? Journal o
Urban Health: Bulletin o the New York Academy o Medicine, 85(5), 766-778.
8 I M. (23). Unequal treatment: Conronting racial and ethnic disparities in health care. W, DC: N
Am P.
9 S R 8.
2 P, M. (25, Dm). D : H - - .Journal o
Ambulatory Care Management, 28(4), 32-33.
2 S A: S Fm H C. (29). C. R M , 29, m ://../S--
.m#. N: S Fm H C A P m z m m
m . S B: A. (29). E m !
R Sm , 29, m ://..m//8.m. S C: H B B. (29).
O , , 3. R Sm , 29, m ://..m/_R.
x?=225=MD.
22 J, N., O, P., Wm, E. (29, Sm 3).An update on state budget cuts: At least 41 states have imposed cuts that
hurt vulnerable residents; ederal economic recovery unds and state tax increases are reducing the harm . C B P
P. R Sm 2, 29, m ://../3-3-8.
23 Am H R W J F. (29, M). Shortchanging Americas health: A state-by-state
look at how ederal public health dollars are spent and key state health acts. R J 24, 29, m ://.m-
.///9..
24 K, L. A., K, M. R., C, J. S. (25). Early childhood interventions: Proven results, uture promise. S M,
CA: RAND C. R M 2, 29, m ://..//m/25/RAND_MG34..
25 K, J.W., , .K., S, L., W, M. (25, A). T S-K m j: A mz mm x m .American Journal o
Public Health, 95(4), 652-659.
26 Sx, C. S., O, S. (28, M/A). x-Mx m 2 .
Diabetes Educator, 34(2), 299-39.
27 Lm, . K., MP, S. J., M, J., W, C., D, H. ., N, ., L, K. Q., H-I, ., L, . N. (23).
E Vm Am m m .
Journal o General Internal Medicine, 8, 56-524.
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