Protocol - COVID-19 Related Household Finances

Description

These series of 5 questions ascertain how household income and finances have been impacted by COVID-19.

Specific Instructions

None

Availability

Protocol

1. Has your Household income changed significantly since February 2020? (please EXCLUDE a stimulus payment from the federal government if you have received one)

1[ ]Yes, my household income is more

2[ ]Yes, my household income is less

3[ ]No, my household income is about the same

2. How worried are you that your household income has been or will be negative impacted the coronavirus (COVID-19) and its effects?

1[ ]Very worried

2[ ]Somewhat worried

3[ ]Not very worried

4[ ]Not at all worried

3. How worried are you that the value of your assets (including housing, savings, and other financial assets) has been or will be negatively impacted by the coronavirus (COVID-19) and its effects?

1[ ]Very worried

2[ ]Somewhat worried

3[ ]Not very worried

4[ ]Not at all worried

4. In the past month, how difficult has it been for you to cover your expenses and pay all your bills?

1[ ]Very difficult

2[ ]Somewhat difficult

3[ ]Not at all difficult

4[ ]Don’t know

If 4 equals 3 or 4, then ask 5a

if 4 equals 1 or 2, then ask 5b

5a. Suppose now you have an emergency expense that costs $400. Based on your current financial situation, how would you pay this expense?	Yes [1]	No [2]
By putting it on my credit card and paying it off in full at the next statement	[ ]	[ ]
By putting it on my credit card and paying it off over time	[ ]	[ ]
With the money currently in my checking/savings account or with cash	[ ]	[ ]
Using a bank loan or line of credit	[ ]	[ ]
By borrowing from a friend or family member	[ ]	[ ]
Using a payday loan, deposit advance, or overdraft	[ ]	[ ]
By selling something	[ ]	[ ]
By using my stimulus payment	[ ]	[ ]
By asking my landlord or mortgage provider for an extension	[ ]	[ ]
I wouldn’t be able to pay for the expense right now	[ ]	[ ]
Other:	[ ]	[ ]
Please specify other method:

5b. What methods are you using or do you plan to use to cover your expense?	Yes [1]	No [2]
By putting it on my credit card and paying it off in full at the next statement	[ ]	[ ]
By putting it on my credit card and paying it off over time	[ ]	[ ]
With the money currently in my checking/savings account or with cash	[ ]	[ ]
Using a bank loan or line of credit	[ ]	[ ]
By borrowing from a friend or family member	[ ]	[ ]
Using a payday loan, deposit advance, or overdraft	[ ]	[ ]
By selling something	[ ]	[ ]
By using my stimulus payment	[ ]	[ ]
By asking my landlord or mortgage provider for an extension	[ ]	[ ]
I wouldn’t be able to pay for the expense right now	[ ]	[ ]
Other:	[ ]	[ ]
Please specify other method:

6. Since February 2020, have you either received, applied for, or tried to apply for any of the following forms of income or assistance?	Received [1]	Applied and waiting to receive [2]	Tried but was not able to apply for, or was not eligible [3]	Did not apply for [4]
Unemployment Insurance	[ ]	[ ]	[ ]	[ ]
SNAP (Supplemental Nutrition Assistance Program) or Food Stamps	[ ]	[ ]	[ ]	[ ]
TANF (Temporary Assistance for Needy Families)	[ ]	[ ]	[ ]	[ ]
Social Security	[ ]	[ ]	[ ]	[ ]
Supplemental Social Security	[ ]	[ ]	[ ]	[ ]
Any kind of government health insurance or health coverage plan including Medicaid, Medical Assistance or Medicare	[ ]	[ ]	[ ]	[ ]
Paycheck Protection Program	[ ]	[ ]	[ ]	[ ]
Other aid from the government	[ ]	[ ]	[ ]	[ ]
Assistance from a union or other association	[ ]	[ ]	[ ]	[ ]
Assistance from a church or religious organization	[ ]	[ ]	[ ]	[ ]
Assistance from another community organization	[ ]	[ ]	[ ]	[ ]
A food pantry	[ ]	[ ]	[ ]	[ ]
Other assistance	[ ]	[ ]	[ ]	[ ]

Personnel and Training Required

Equipment Needs

Requirements

Requirement Category	Required
Major equipment	No
Specialized training	No
Specialized requirements for biospecimen collection	No
Average time of greater than 15 minutes in an unaffected individual	No

Mode of Administration

Interviewer-administered questionnaire

Lifestage

Adult, Senior

Participants

Adults aged 18 and older

Selection Rationale

PhenX used input from crowdsourcing to enable rapid response and release of COVID-19 related protocols in the Toolkit.

Language

English

Standards

Standard	Name	ID	Source
Logical Observation Identifiers Names and Codes (LOINC)	COVID-19 Related Household Finances	98889-9	LOINC

Derived Variables

Process and Review

Not applicable

Protocol Name from Source

RAND American Life Panel Impacts of COVID-19 Survey

Source

RAND American Life Panel (MS546) Impacts of COVID-19 [RIR Survey 1]

General References

Protocol ID

980101

Variables

Export Variables

Variable Name	Variable ID	Variable Description	dbGaP Mapping
PX980101_Covid19_Household_Finances_Asset_Value_Worry_Impact
	PX980101030000	How worried are you that the value of your more assets (including housing, savings, and other financial assets) has been or will be negatively impacted by the coronavirus (COVID-19) and its effects? show less	N/A
PX980101_Covid19_Household_Finances_Difficulty_Cover_Expenses_Bills
	PX980101040000	In the past month, how difficult has it been more for you to cover your expenses and pay all your bills? show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Bank_Loan
	PX980101050400	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? Using a bank loan or line of credit show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Borrow_Family_Friend
	PX980101050500	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By borrowing from a friend or family member show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Credit_Card_Next_Statement
	PX980101050100	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By putting it on my credit card and paying it off in full at the next statement show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Credit_Card_Over_Time
	PX980101050200	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By putting it on my credit card and paying it off over time show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Current_Money_Account
	PX980101050300	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? With the money currently in my checking/savings account or with cash show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Not_Able
	PX980101051000	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? I wouldn't be able to pay for the expense right now show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Other
	PX980101051101	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? Other show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Other_Specify
	PX980101051102	Please specify other way you would pay this more expense show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Payday_Loan_Advance_Overdraft
	PX980101050600	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? Using a payday loan, deposit advance, or overdraft show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Provider_Extension
	PX980101050900	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By asking my landlord or mortgage provider for an extension show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Selling_Something
	PX980101050700	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By selling something show less	N/A
PX980101_Covid19_Household_Finances_Emergency_Expense_Pay_Method_Stimulus
	PX980101050800	Suppose now you have an emergency expense more that costs $400. Based on your current financial situation, how would you pay this expense? By using my stimulus payment show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Bank_Loan
	PX980101060400	What methods are you using or do you plan to more use to cover your expenses? Using a bank loan or line of credit show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Credit_Card_Next_Statement
	PX980101060100	What methods are you using or do you plan to more use to cover your expenses? By putting it on my credit card and paying it off in full at the next statement show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Credit_Card_Over_Time
	PX980101060200	What methods are you using or do you plan to more use to cover your expenses? By putting it on my credit card and paying it off over time show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Current_Money_Account
	PX980101060300	What methods are you using or do you plan to more use to cover your expenses? With the money currently in my checking/savings account or with cash show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Family_Friend
	PX980101060500	What methods are you using or do you plan to more use to cover your expenses? By borrowing from a friend or family member show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Not_Able
	PX980101061000	What methods are you using or do you plan to more use to cover your expenses? I wouldn't be able to pay for the expense right now show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Other
	PX980101061101	What methods are you using or do you plan to more use to cover your expenses? Other show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Other_Specify
	PX980101061102	Please specify other method	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Payday_Loan_Advance_Overdraft
	PX980101060600	What methods are you using or do you plan to more use to cover your expenses? Using a payday loan, deposit advance, or overdraft show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Provider_Extension
	PX980101060900	What methods are you using or do you plan to more use to cover your expenses? By asking my landlord or mortgage provider for an extension show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Selling_Something
	PX980101060700	What methods are you using or do you plan to more use to cover your expenses? By selling something show less	N/A
PX980101_Covid19_Household_Finances_Expense_Pay_Method_Stimulus
	PX980101060800	What methods are you using or do you plan to more use to cover your expenses? By using my stimulus payment show less	N/A
PX980101_Covid19_Household_Finances_Household_Income_Change
	PX980101010000	Has your household income changed more significantly since February 2020? (please EXCLUDE a stimulus payment from the federal government if you have received one) show less	N/A
PX980101_Covid19_Household_Finances_Household_Income_Worry_Impact
	PX980101020000	How worried are you that your household more income has been or will be negatively impacted the coronavirus (COVID-19) and its effects? show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Church_Religious_Organization
	PX980101071000	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Assistance from a church or religious organization show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Community_Organization
	PX980101071100	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Assistance from another community organization show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Food_Pantry
	PX980101071200	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? A food pantry show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Government_Health_Insurance
	PX980101070600	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Any kind of government health insurance or health coverage plan including Medicaid, Medical Assistance or Medicare show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Other
	PX980101071300	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Other assistance show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Other_Government_Aid
	PX980101070800	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Other aid from the government show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Paycheck_Protection
	PX980101070700	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Paycheck Protection Program show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Snap_Food_Stamp
	PX980101070200	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? SNAP (Supplemental Nutrition Assistance Program) or Food Stamps show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Social_Security
	PX980101070400	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Social Security show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Supplemental
	PX980101070500	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Supplemental Social Security show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Tanf
	PX980101070300	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? TANF (Temporary Assistance for Needy Families) show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Unemployment_Insurance
	PX980101070100	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Unemployment Insurance show less	N/A
PX980101_Covid19_Household_Finances_Receive_Apply_Income_Assistance_Union_Association
	PX980101070900	Since February 2020, have you either more received, applied for, or tried to apply for any of the following forms of income or assistance? Assistance from a union or other association show less	N/A

Socioeconomic

Measure Name

COVID-19 Related Household Finances

Release Date

October 30, 2020

Definition

A five-item interviewer administered questionnaire assessing household finances during the COVID-19 epidemic.

Purpose

This measure is used to assess household income and expenses during the COVID-19 epidemic.

Keywords

COVID-19, RAND American Life Panel Survey (ALP), household income, financial assets, income assistance, COVID, coronavirus

Measure Protocols

Protocol ID	Protocol Name
980101	COVID-19 Related Household Finances

Publications

Salmoirago-Blotcher, E., et al. (2017) Phone-delivered mindfulness training to promote medication adherence and reduce sexual risk behavior among persons living with HIV: Design and methods. Contemp Clin Trials. 2017 February; 53: 162-170. doi: 10.1016/j.cct.2016.12.016