An interesting reference on Adam Tooze’s blog today to a study two months ago 
on the growth of the US welfare state since 1970. According to the Economic 
Innovation Group, government transfers now account for 18% of personal income, 
primarily due to demography - the increase in the elderly population - but 
“also driven by rapidly increasing costs of healthcare and a shrinking 
geography of good earnings opportunities in the United States.”

“What does it mean for a community when its economic lifeblood is much less 
directly tied to work, production, and income earned through labor—and much 
more directly tied to transfers from the government?”, the study’s authors ask.

______________________________________

The Great “Transfer”-mation

How American communities became reliant on income from government

Kenan Fikri, Sarah Eckhardt and Benjamin Glasner

Economic Innovation Group

September 2024

Income from government transfers is the fastest-growing major component of 
Americans’ personal income. Nationally, Americans received $3.8 trillion in 
government transfers in 2022, accounting for 18 percent of all personal income 
in the United States. That share has more than doubled since 1970. Transfer 
income has grown three times as quickly as non-transfer income over the past 
several decades.

Transfers’ significance as a source of income for American communities has 
accelerated dramatically since the turn of the century. In 2000, only about 10 
percent of counties received a quarter or more of total personal incomes from 
transfers. By 2022, the most recent data year, 53 percent did.

This expansion of the transfer economy is primarily driven by the country’s 
demographic evolution into an older society. Retirement-age Americans make  up 
a rising share of the total United States population. Since the largest 
transfer programs—Social Security and Medicare —are designed for retirement-age 
Americans, transfer payments expand as the elderly population grows.

The demographic transformation has not, however, hit all places equally. 
Younger and faster-growing metropolitan hubs have been less affected by it. It 
is much more advanced in less-populated regions, many of which are contending 
with population loss and economic decline.

In San Mateo, California, or Arlington, Virginia, transfers account for only 5 
percent of total personal income. In parts of eastern Kentucky or rural New 
Mexico, they account for closer to 50 percent.

The rising transfer share is a consequence of more than just an aging society. 
It is also driven by rapidly increasing costs of healthcare and a shrinking 
geography of good earnings opportunities in the United States.

The rise of the transfer share highlights a huge shift in how Americans derive 
their earnings and raises the question: What does it mean for a community when 
its economic lifeblood is much less directly tied to work, production, and 
income earned through labor—and much more directly tied to transfers from the 
government? In that sense, this work fits into the growing body of scholarship 
around the mechanisms of economic and demographic decline, and their 
implications.

Full: https://eig.org/wp-content/uploads/2024/09/Great-Transfermation.pdf


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