The Experience of Un-or Underemployment and Home Foreclosure for Mature Adults: A Phenomenological Approach
Mature workers, identified as 40 years of age or older, have been significantly affected by recent increases in unemployment. The purpose of this study was to give voice to the experience of mature workers facing job loss and foreclosure and identify the policy, employment, and economic implications. Semi-structured interviews were conducted with five participants and two key informants. The sample was drawn from a lower-Michigan non-profit organization where participants were seeking foreclosure prevention assistance. Psychological phenomenology focused on the participants’ description and shared meaning of their experience. Creswell’s (2007) integrated approach was also utilized. A codebook, audit trail, and reflexive statements ensured intercoder reliability and trustworthiness. Participants voiced the importance of sharing their story. Five themes were identified: changing norms, experience of mature workers, age as a barrier, technology as a barrier, and housing. Implications for policy, research, and education are discussed.
KeywordsHome foreclosure Unemployment/underemployment Mature workers Community and families Lifespan development Qualitative research
- AARP (2002). Staying ahead of the curve: the AARP work and career study a national survey conducted for AARP by roper. ASW September 2002.Google Scholar
- Bureau of Labor Statistics (n.d.-a). Glossary. Retrieved from http://www.bls.gov/bls/glossary.htm.
- Bureau of Labor Statistics (n.d.-b). Labor force statistics from the current population survey: how the government measures unemployment. Retrieved from http://bls.gov.
- Creswell, J. (2007). Qualitative inquiry & research design (2nd ed.). Thousand Oaks, CA: Sage Publications.Google Scholar
- Daly, K. J. (2007). Qualitative methods for human development and family studies. Los Angeles, CA: Sage Publications.Google Scholar
- Edmonds, T. N., Stevenson, L. J., & Swisher, J. (2011). Forgive us our debts: the great recession of 2008–2009. Journal of Legal, Ethical and Regulatory Issues, 14(2), 1–16. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/886803555?accountid=12598.
- Firman, J., Nathan, S., &Alwin, R. (2009). Meeting the needs of economically disadvantaged older adults: a holistic approach to economic casework. Journal of the American Society of Aging, 33(3), 74–80. Retrieved from http://generations.metapress.com/content/5084343h3k49427h/.
- Fleck, C. (2011).When any job must do. Retrieved from aarp.org/bulletin.
- Fleck, C. (2012). Mortgage crisis impacts seniors. Retrieved from http://www.aarp.org/money/credit-loans-debt/info-07-2012/mortgage-crisis- impacts-older-americans.html.
- Gallo, W. T., Bradley, E. H., Siegel, M., & Kasl, S. V. (2000). Health effects of involuntary job loss among older workers: findings from the health and retirement survey. The Journals of Gerontology, 55B(3), S131–S140. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/210112106?accountid=12598.
- Geewax, M. (2009). Survey: millions forced to rethink retirement. Retrieved from http://www.npr.org.
- Isidore, C. (2009). The great recession. Retrieved from http://money.cnn.com/2009/03/25/news/economy/depression_comparisons/index.htm.
- Isidore, C. (2012). Detroit automakers are (finally!) making profits. Retrieved from http://money.cnn.com/2012/01/05/news/companies/auto_industry_profits/index.htm.
- Jefferson, A., Spader, J., Turnham, J., & Moulton, S. (2012). Foreclosure counseling outcome study: Final report. US Department of Housing and Urban Development; Office of Policy Development and Research. May. Retrieved from http://www.huduser.org/portal/publications/hsgfin/foreclosure_counseling.html.
- Kantor, D., & Lehr, W. (1975). Inside the family. San Francisco, CA: Jossey-Bass Inc.Google Scholar
- Lerner, R. (2002). Concepts and theories of human development. Mahwah, NJ: Lawrence Erlbaum Associates Inc.Google Scholar
- Marshall, C., & Rossman, G. (2011). Designing qualitative research (5th ed.). Thousand Oaks, CA: Sage Publications.Google Scholar
- Mattingly, M. J., & Smith, K. E. (2010). Changes in wives’ employment when husbands stop working: a recession-prosperity comparison. Family Relations, 59(4), 343–357. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/757019343?accountid=12598.
- Mendenhall, R., Kalil, A., Spindel, L. J., & Hart, C. M. D. (2008). Job loss at mid-life: Managers and executives face the “new risk economy”. Social Forces, 87(1), 185–209. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/229853930?accountid=12598.
- O’Malley P. O. (2011). Welfare in America: myths and facts everything you think you know about welfare is wrong. Retrieved from http://voices.yahoo.com/welfare-america-myths-facts-8524989.html?cat=55.
- Patton, M. Q. (1990). Qualitative evaluation and research methods. Newbury Park London: Sage Publications.Google Scholar
- PBS. (2013). Brutal job search reality for older Americans out of work for six months or more. Retrieved from http://www.pbs.org/newshour/bb/business/jan-june13/workers_05-03.html.
- RealtyTrac. (2013). US foreclosure and short sales report year-end and Q4 2012. Retrieved from http://www.realtytrac.com/content/foreclosure-market-report.
- Rix, S. (2011). The employment situation, August 2011: Older worker unemployment remains stubbornly high (Fact Sheet No. 237). AARP Public Policy Institute. Retrieved from http://assets.aarp.org/rgcenter/ppi/econ-sec/fs237.pdf.
- Rix, S. (2013). The employment situation, April 2013: Neither much better nor much worse for older workers (Fact Sheet No. 283). AARP Public Policy Institute. Retrieved from http://www.aarp.org/content/dam/aarp/research/public_policy_institute/econ_sec/2013/the-employmentsituation-april-2013-aarp-ppi-econ-sec.pdf.
- Stack, S., & Wasserman, I. (2007). Economic strain and suicide risk: A qualitative analysis. Suicide & Life—Threatening Behavior,37(1), 103–112. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/224872082?accountid=12598.
- Strully, K. W. (2009). Job loss and health in the US labor market. Demography (Pre-2011), 46(2), 221–246. Retrieved from http://ezproxy.msu.edu/login?url=http://search.proquest.com/docview/222949656?accountid=12598.
- Tobe, E. (2014). The financial health and level of resilience in housing counseling clientele post experience: A mixed methods assessment. Order No. 3618505, Michigan State University, 2014. Ann Arbor: ProQuest.Google Scholar
- US Housing and Urban Development website (n.d.). Retrieved from http://www.makinghomeaffordable.gov/pages/default.aspx.