At the end of the month, when her food has run out, Alice Foley, 71, will call a friend in her Germantown neighborhood and ask if she can drop by for a meal.

Foley has worked in public relations, community journalism, and public health, having spent eight years attending St. Joseph’s University at night to earn both an English degree and a master’s in health education.

Never once as Foley spent a lifetime complying with the American compact — work hard, get rewarded — did she foresee a time when her refrigerator would be nearly empty whenever the calendar hit Day 30.

“You’re just not prepared for poverty in old age,” said Foley, who lives on a monthly income of a little more than $900 in Social Security disability payments and nearly $80 in food stamps, an amount about $400 below the $12,140 federal poverty level for a single person.

Foley never married and has no children. She said, “With two degrees, I never expected to be living life like this.”

Not many people do. Yet the poverty rate of older Philadelphians is the highest among the 10 most-populous cities in the United States.

‘Surprising’ poverty

About 23 percent of city residents aged 60 and above lived in poverty in 2017, three percentage points above 2013 numbers, according to new data from the Philadelphia Corp. for Aging, a nonprofit dedicated to improving the lives of older residents.

The figure is just below the city’s overall poverty rate of 26 percent, the highest among the 10 most-populous U.S. cities.

Compounding that, the rate of older Philadelphians living in deep poverty — 50 percent or less of the federal poverty level — rose from 6 percent to 10 percent during those same years, PCA reported. Philadelphia’s overall deep-poverty rate is 14 percent.

“It was surprising even to me that poverty among older Philadelphians is getting worse,” said Allen Glicksman, PCA’s director of research and evaluation. “It’s very disheartening.”

The city’s increasing senior-poverty numbers echo national trends, which show poverty rates of people ages 65 and above rose from 16 percent in 2015 to more than 18 percent in 2016, according to U.S. census figures. There are 4.7 million people 65 and older living in poverty, federal figures show.

Glicksman chose age 60 as a baseline for measuring older Philadelphians' poverty levels because it coincides with the minimum age covered by the Older Americans Act, which provides funding for various aging-related programs.

Social Security not enough

In some ways, senior poverty is hidden, experts say.

“A lot of people think older folks are fine because they get Social Security and senior discounts,” said Mary Fallon, executive director of UUH Outreach Program, which assists older adults in Northwest Philadelphia. “But Social Security was never designed to replace an entire income.

“I’ve been doing this job for 19 years. And I don’t see the financial picture brightening. We see older people struggling every day.”

One of the reasons numerous older Philadelphians live in poverty is that as many baby boomers have aged, they haven’t saved enough, and they haven’t anticipated the true financial costs of maintaining their health care, their homes, and their lifestyles without regular salaries, said Brian Gralnick, director of social responsibility at the Jewish Federation of Greater Philadelphia.

For example, Fallon said, as “things like your hearing begin wearing out on you, you realize that Medicare doesn’t cover hearing aids.” Other similar health surprises await seniors, experts say.

As for housing, 38 percent of all Philadelphia homeowners have annual household incomes below $35,000, according to the Pew Charitable Trusts. That means numerous older residents incur huge expenses simply maintaining their houses.

Those seniors who rent also are having a tough time, said Philip McCallion, director of Temple University’s School of Social Work. Indirectly, younger Philadelphians are hurting older ones in the rental market. “As more millennials choose to live in Philadelphia, they wind up raising all rents," he said. "That affects older residents on fixed incomes.”

Beyond health care and housing, just basic items people need to live, from electricity to pot roast, can suddenly become out of reach for those living on Social Security payments alone, Gralnick said.

Many older Philadelphians are also caregivers for children with disabilities, or must raise their grandchildren because their children are drug-addicted, experts added.

Poverty rates also are so high for older residents simply because so many people in Philadelphia live in poverty, McCallion said.

“If you’ve lived a life in poverty, by the time you reach old age, there’s not much to fall back on,” he added.

And these days, “it’s much less common” for people to have pensions that would augment Social Security, said Pam Walz, co-director of the Aging and Disabilities Unit at Community Legal Services in Philadelphia.

Alone and depressed

For Queen Esther Waites, 79, there were no pensions from her jobs as a security guard and day-care worker.

A widow with four grown children in the area, Waites lives in poverty in a one-bedroom apartment in Germantown, subsisting on a small Social Security payment and food stamps.

“I don’t have enough food," she said. “Like, today. So I go around to different food pantries and stand in line to wait for what they give me.”

That’s especially difficult for Waites, who has had two strokes and has a hard time pulling her food cart as she walks with her cane.

“I’m alone a lot, and it is very depressing,” she said. “And now it’s Christmas time, and I don’t have much. My hope is that I’ll see my kids for Christmas.”

Along with lack of food, many seniors may also be suffering from malnutrition, sapping them of their energy and essence. Exact figures aren’t known.

Malnutrition, which occurs when a person doesn’t eat a proper amount of calories, protein, or minerals, can happen when seniors eat too little food, or too much cheap food high in fat and salt.

Many low-income seniors lack money to buy enough healthy food, said Cassandra Fox, a coordinator at the Food Trust, a Philadelphia area nonprofit that works to increase access to nutritious food.

“They’re absolutely having trouble maintaining good nutrition,” Fox added.

Often, seniors aren’t mobile and can’t walk to grocery stores, Fox said. Others forget to eat, or experience diminished ability to taste, making eating less enjoyable. And many low-income people rely on food pantries, where, Fox added, staff are "well-intentioned, but often offer foods that lack fiber or are high in sodium.”

Trying to help

Helping seniors deal with poverty isn’t easy. “It’s not like there are lots of opportunities to get a better job” for working people 60 and older, noted Cateria McCabe, an attorney at Philadelphia’s SeniorLAW Center.

Organizations trying to help seniors in poverty include the AARP Foundation in Washington, the charitable affiliate of the national senior organization.

Foundation president Lisa Marsh Ryerson said the foundation works to develop technology skills in older adults to re-attach them to the workforce.

“The promise of longevity is terrific for all of us,” Ryerson said. “If one has work, income, and health, that’s terrific.” But, she added, a growing number of older adults without enough income could face negative outcomes.

She believes it’s important for the nation to discuss senior poverty, "an issue that has to be pulled out of the shadows.”

Alice Foley agrees. She stays current, attends community meetings, communicates with legislators — all to learn about and lobby for senior issues.

But it can get discouraging, especially with a condition that causes dizziness that prevents her from working and doing more with her life.

And then there is the near-empty refrigerator. “There are weeks on end without enough food to eat,” she said. “I learn to live on not a lot."

And when things get to be too much, Foley said, “I sit quietly. And I pray.”

Philadelphia Media Network is one of 21 news organizations producing Broke in Philly, a collaborative reporting project on solutions to poverty and the city’s push toward economic justice. See all of our reporting at brokeinphilly.org.