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STATEMENT OF CHLOE GIFFORD, PRESIDENT, GENERAL
FEDERATION OF WOMEN'S CLUBS

Senator MCNAMARA. The General Federation of Women's Clubs, Miss Chloe Gifford, president.

We would be happy to hear from you. I see you have a comparatively short statement. Do you desire to read it all?

Miss GIFFORD. I may read it, Mr. Chairman, and then make some comments.

Senator MCNAMARA. All right. Go right ahead.

Miss GIFFORD. I am Chloe Gifford, president of the General Federation of Women's Clubs.

The General Federation of Women's Clubs, an organization of approximately 5 million women in the United States, is a cross section of the women in this country. For the most part they are wives and mothers in rural, urban, and large city areas, banded together to work for the welfare of their families.

The General Federation of Women's Clubs was chartered by the U.S. Congress in 1901, and has consistently worked for legislation which the club members believe is in line with the purposes of the organization, as stated in its constitution, and are certainly tremendously interested in the welfare of our citizens, especially our

women.

The members of the General Federation of Women's Club believe that an adequate program for the security and happiness of the millions of aged and aging Americans today is necessary for the mutual benefit and the public welfare of our Nation.

We started back in 1950 to actively participate in behalf of the aged and the aging, even before we hardly knew the meaning of the term "gerontology. "We started on the community level feeling very definitely that it was a community problem, and that certainly voluntary groups working with the public agencies could perhaps handle the job.

Now we realize that it is very definitely a national problem and that a nationwide study must be made. We are heartened, Mr. Chairman, that the Senate of the United States has seen fit to face, we hope very realistically this problem and to try to find solutions.

We are extremely heartened that you are going to try to alert the citizenry of this country to the needs and how these needs can be handled.

We are extremely perturbed over the fact of the retirement plans. It seems to us-and some of us are professional women and have worked for many years-I certainly am-it seems to me that when we talk of asking an individual 40 years of age to start thinking about retirement, it is well for him to think about it, but after all, for many to feel that his years of usefulness, when those of us who are over 40 think that we are just coming into the prime of life, I think that that needs careful scrutiny.

Education takes longer than it did 15 or 20 years ago. The fact that so many of our boys are called into service and are delayed in their educational pursuits for several years means that many of our young men are not getting jobs until the middle twenties, and that means, when you start to think, say, for instance, of a boy 40 years of age, a woman now around 35 or 37, being told when he applies for a job or she

applies for a job that industry is not accepting for training a man over 40 or a women over 35 or 37-I think it is a bit alarming.

I think that there are many things that we can do in the foreseeable future to eradicate that type of thinking certainly with industry and with the public in general.

If medical science has made such rapid strides, certainly in the last few years, it seems that we live far longer than we one time lived. I come from an institution of higher learning, and I know that many of our men who are retired optionally, let me say at 65, have much, much to contribute; regrettably we have not prepared for those later years as we should have. We think it could happen to John or Mary but it will not happen to us as individuals.

So, at 65, say, forced retirement means that we are losing much of the able thinking that men and women have received through academic training, through practical experience, and so it seems to me it is conceivable that, say, 10 or 20 years from now we may face a strange and devastating new kind of rebellion, the rebellion of youth against oldsters. Youth may be forced to rise up in self-defense because of the massive debts and burdens that they will be forced to shoulder, particularly it may come to resent the burden of supporting an alarming increase in the number of oldsters and certainly statistics show us that in 1975 we may have 20 million oldsters in this country.

All right. It is high time, it seems to me, in 1959 and 1960 that we were preparing for that. If this should occur it will be the result of our failure to make some commonsense policy changes now before the situation gets completely out of hand.

It seems to me that we should oppose arbitrary retirement policies wherever they exist. People should be forced to retire completely only when they are truly unable to do useful work or when their continued work is dangerous to others.

Naturally, I would not want to fly in an airplane, which I do most of the time, with a man 70 years old in control of that plane. So, those are professions where I think older age should be taken into consideration.

By this, of course, I do not mean, as I was trying to say, that people should not be forced, as indicated, to relinquish certain physically dangerous or highly sensitive executive jobs in favor of less dangerous

or less sensitive ones.

It seems to me that we must look with a critical eye at our present social security policy so it does not penalize those over 65, or 62, I think it is for women. We are discriminated against, we who want to or need to work. Social security payments should be placed on a straight perhaps annuity basis, payable at the stated age regardless of whether the individual works or not.

This would lead to an increase in our total production which cannot fail to benefit our economy even if social security costs do increase somewhat.

It will also enable older people to gradually reduce their work without too greatly reducing their income, and what is of importance to us is the fact that we lose their abilities.

Some of us may be willing to admit that we remember the depression days. I certainly am one willing to admit it.

You remember the Townsend plan that came up and that lost-it may be because there were not enough older people at that moment.

But as these oldsters are increasing, could not a similar plan cost us a great deal of anxiety and difficulty, if it came up, say, in 1975 when there are 20 million oldsters to vote on the question?

Senator MCNAMARA. I might say to you that we have a Mr. Townsend who is going to be one of our witnesses today. You may be interested in his presentation.

Miss GIFFORD. Oh, good; fine.

Now, I think we have to change our attitudes about people over 40 years of age. That is my main concern right now. I think our attitudes must be brought into harmony with the realities of society as we find it today.

Unless industry is willing and able to support millions of people over 40 with unemployment benefits, raised by taxing industry, then industry must find jobs for these people and that is what I would like to see happen.

Actually, of course, studies have been shown that in general age is not a handicap, often even an asset, in most job situations. Such facts must catch up with and overcome some of these prejudices.

The one compelling argument is that in the United States today over 9 out of 10 jobs are in private industry or in business. Either jobs must be made available for those who want to work or industry and business will be required to pay enough social security taxes to support these people on unemployment rolls.

The wisdom of choosing the first seems to be plain to us.

The decisions we make are going to be painful, more than likely, for they will require us to discard some of our cherished beliefs. Most of us have grown up believing that full-time retirement would be great fun. We believe or have come to believe that America is so rich, so bountiful, and so productive that there is no limit to what we might do if we only wanted to.

Suddenly, we have discovered that there are limits in both areas. We face a clear-cut choice. We must either abandon some of our archaic attitudes about our work and wealth and retirement or face the real possibility that our children and grandchildren will be forced to abandon us in old age in order to care for their own.

We realize, Mr. Chairman, that we have not contributed any new thinking today on this problem. However, we want to go on record commending the Senate of the United States for facing these problems of the aged and the aging, and for your efforts in seeking solutions to said problems. We thank you for permitting us to state our position here this morning. Let us remember that every citizen has an inherent right for life, liberty, and the pursuit of happiness-they must be fought for in every age of man. Old age should not be a penaltyit should be considered an achievement.

I assure you, Mr. Chairman, of one thing: That these 5 million women, and that is a heap of women, certainly great numbers of voters, will be actively supporting any worthwhile program that comes out of these resolutions that have been brought up in regard to this problem.

Senator MCNAMARA. Thank you, Miss Gifford.

You make a statement that you do not think that you could be of much help in the field or something like that. I think quite the reverse. I think your organization, the General Federation of Women's Clubs, has a fine standing in the Nation. You take the position as you

do here today, that you are opposed to discrimination in employment because of age. I think it hits much harder than perhaps labor organizations or others who are constantly in conflict with management because of operating in this field, negotiating for all sorts of conditions for workers. Yours is an organization apart, one that is not directly concerned, and I think great weight is added to your statement because of this situation.

You have had a real role to play in this thing and I hope you say often and much more loudly than you do here that there should be no discrimination in employment because of age.

Miss GIFFORD. We intend to do that very thing. I will say that I agree with you on that one thing, and that is that we do not have the selfish interest that perhaps some other groups have.

Senator MCNAMARA. Certainly. Your organization are really consumers, and the voice of the consumer is listened to by management also. I think that is a good point, and I hope you stress it.

You mention that social security has not been on an annuity basis and you recommend that it should be. Of course, this would necessitate increasing the taxation, as you pointed out.

Do you consider that we should perhaps change the basis of social security payment and have it not a burden on the industry or the employees of the industry but on society in general?

Miss GIFFORD. After a careful study has been made as to the needs, then it seems to me solutions must be found by close cooperation of all interests labor, industry, government, and lay groups.

Senator MCNAMARA. Yes.

Miss GIFFORD. I also wonder if we should say that an individual can only earn $100 a month. I believe that is true, is it not? I wonder about that.

Senator MCNAMARA. Thanks very much. Your statement has been very interesting and very helpful.

Miss GIFFORD. Do you want me to leave these statements here?
Senator MCNAMARA. Give a copy to the reporter.

(The prepared statement of Miss Gifford follows:)

PREPARED STATEMENT OF MISS CHLOE GIFFORD, PRESIDENT, GENERAL FEDERATION OF WOMEN'S CLUBS

The General Federation of Women's Clubs, an organization of approximately 5 million women in the United States, is a cross section of the women in this country. For the most part they are wives and mothers in rural, urban, and large city areas, banded together to work for the welfare of their families. The General Federation of Women's Clubs was chartered by the U.S. Congress in 1901, and has consistently worked for legislation which the club members believe is in line with the purpose of the organization, as stated by its constitution as follows: "To unite women's clubs and like organizations throughout the world for the purpose of mutual benefit, and for the promotion of their common interests in education, philanthropy, public welfare, moral values, civic, and fine arts."

The members of the General Federation of Women's Clubs believe that an adequate program for the security and happiness of the millions of aged and aging Americans is necessary for the mutual benefit and the public welfare of our Nation.

The General Federation of Women's Clubs began its active program on gerontology in 1950 when it added gerontology and community service as one of its new committees. This committee was set up under the welfare department. At that time a program was developed to stress the importance of preparation for later life. September 9-15, 1951, the board of the General Federation of

Women's Clubs was invited to attend the Second International Gerontological Congress in St. Louis, Mo. Two hundred specialists were guests of the Congress. It is with pride we note that 8 years ago the General Federation of Women's Clubs was interested in a problem which is today recognized as a national one. The May 1952 issue of Clubwoman-the General Federation of Women's Clubs magazine-states "The new gerontology division has stimulated concern about the problem of older people and numerous club projects in their behalf." In 1950-52 the subject of gerontology was new in our thinking. The General Federation of Women's Clubs started out with only one aspect of it, and that was to do something for the older people in the community by way of organizing clubs and projects for older folks in order to give them an interest in life needed for happiness.

Since 1950 the General Federation of Women's Clubs has had a chairman of gerontology. The clubs in many communities have been very action and helpful in programs devoted to the interest of older people. However, it is now evident that there are many more facets to the area or gerontology. Not only must society make an effort to make the aged and aging of the moment more comfortable, happy, and useful citizens, but certainly it is everyone's business to plan and work for the full utilization of the time, talents, and abilities of the senior citizens. Not all of us are aged, but we are aging.

It is true the younger people add vigor and enthusiasm to any effort. It is equally true it takes age to acquire certain knowledge, understanding, and experience. Both are equally important to any successful effort, and vital to the security of the United States. With the growing economic problems for everyone it seems inevitable that, in order to maintain the high standard of living the people of the United States have come to expect, the talents of each individual should be used to greatest advantage.

With the extension of life expectancy, and with the trend to retire people younger, there seems to be a conflict, particularly since the economic devaluation of their savings. If the aged are unable to pay their own way, taxes must be increased to raise funds for their care. Who must pay these taxes? The workers, of course the younger people. Can they afford to pay higher taxes? They want to educate their own children, and it costs more to secure an education. In fact, it costs more to live. With automation is takes fewer workers, so it seems a vicious circle. Confusion and more social problems result, affecting all people. What is the answer to this national problem? How was the problem created? These are the questions we are facing today.

The General Federation of Women's Clubs recognized a problem in 1950. We have seen this problem grow, and additional problems develop. As clubwomen we have discussed gerontology. We have worked to meet the needs of older people in local communities. However, this is not a local problem today. It is up to the National Government to take a new look, and perhaps some retrenchments, in the area of compulsory retirement of qualified people-able people who have reached the age of 65. In a democratic society is hardly seems right for one segment of people to dictate policies resulting in unnecessary hardships on another segment of the same society. Let us hope we are intelligent enough to recognize the responsibility and have the courage to tackle the problem with vigor, even if it means revision of social security and retirement laws.

With a shorter workweek in the not too distant future will the problem reach out to more people? Or will this be a remedy for some phases of employment? And, in the face of the shorter week, will business and industry be able to assume greater burdens of employment? All these and many more questions must be answered so as to be fair and just to all. Robbing Peter to pay Paul is not a sound solution. If democracy is to survive, and we all know it is in the balance today, we must find some solution whereby we can use the abilities and talents of every able-bodied and mentally alert person who wishes to work. Compulsory retirement is costing the Government millions of dollars today, because those millions must go on social security payrolls. Optional retirement is one thing, but forced retirement very often depresses the morale of individuals, causing unhappiness and even illness. Something drastic is needed for the aged and aging. The American way of life is being challenged. We must meet this challenge because we must provide hope and happiness for the aging.

The General Federation of Women's Clubs will use its fullest facilities to help in what seems to be an honest answer to this untenable situation. We urge Congress to use their efforts to face up to and help solve this problem which is growing daily.

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