ABOUT THE SPEAKER
Lucy Marcil - Pediatrician, social entrepreneur
Lucy Marcil is providing fiscal services to low-income families in the doctor’s waiting room.

Why you should listen

Lucy Marcil, MD MPH, creates innovative solutions buffering kids from the adversity they face growing up with economic stress and poverty. As a pediatrician, she cares for children at Boston Medical Center. She co-founded StreetCred, a nonprofit addressing the health impact of financial stress by providing fiscal services to low-income families in the the doctor’s waiting room. StreetCred increases access to critical anti-poverty tax credits such as the Earned Income Tax Credit by integrating tax preparation services into pediatric clinics; it has returned over $3.2 million to 1700 clients at 9 sites in 4 states since its inception in 2016. StreetCred is now bundling tax services with enrollment in other economic mobility services to create greater financial stability.

Internationally, Dr. Marcil has undertaken pediatric health-systems strengthening. As a HIV/AIDS & Community Health Peace Corps volunteer in Namibia, she leveraged public-private partnerships to create a comprehensive orphan care program and girls’ leadership camps. In Bangladesh, she identified community engagement methods to build maternal-child healthcare systems in urban slums. In Kenya, she consulted for Jacaranda Health to transform newborn care systems.

For her work, Dr. Marcil has been recognized with the American Academy of Pediatrics Anne E. Dyson Child Advocacy Award and the Jack Kent Cooke Foundation Quinn Prize, and has been named a Café 100, Davidson College Game Changer and 2018 TED Fellow.

More profile about the speaker
Lucy Marcil | Speaker | TED.com
TED2018

Lucy Marcil: Why doctors are offering free tax prep in their waiting rooms

Filmed:
1,358,090 views

More than 90 percent of children in the US see a doctor at least once a year, which means countless hours spent in waiting rooms for parents. What if those hours could be used for something productive -- like saving money? Through her organization StreetCred, pediatrician and TED Fellow Lucy Marcil is offering free tax prep to parents right in the waiting room, reimagining what a doctor's visit can look like and helping to lift families out of poverty. Learn more about how free tax prep and guidance could be the best poverty prescription we have in the US.
- Pediatrician, social entrepreneur
Lucy Marcil is providing fiscal services to low-income families in the doctor’s waiting room. Full bio

Double-click the English transcript below to play the video.

00:12
How many of you have had
your doctor ask you about sex?
0
987
3419
00:16
Your mental health?
1
4820
1635
00:18
Alcohol use?
2
6479
1269
00:19
These questions are almost universal.
3
7772
3095
00:22
But how many of you have had
your doctor ask you about money?
4
10891
4546
00:27
Most of us haven't.
5
15461
1453
00:29
But that is strange, because
compared to most high-income countries,
6
17609
4289
00:33
child poverty is an epidemic
in the United States.
7
21922
4176
00:38
It creates conditions that may elevate
stress hormone levels
8
26122
4070
00:42
and impair brain development.
9
30216
2108
00:44
Poor children in the US are one and a half
times more likely to die
10
32879
5513
00:50
and twice as likely to be hospitalized
11
38416
2562
00:53
as their middle-class counterparts.
12
41002
2030
00:55
So my colleague Dr. Michael Hole
and I started asking moms about money.
13
43968
6758
01:03
We knew we needed to reimagine
what a doctor's visit looks like,
14
51123
4154
01:07
to get kids out of poverty
15
55301
1618
01:08
and to give them a fair shot
at a healthy life.
16
56943
3541
01:13
Our questions led
to a surprising solution:
17
61195
3353
01:16
tax credits.
18
64572
1343
01:17
It turns out, the earned income
tax credit, or EITC,
19
65939
4530
01:22
is the best poverty prescription
we have in the US.
20
70493
3767
01:26
The average mom gets two to three
thousand dollars a year from it.
21
74671
3967
01:31
When families get it,
moms and babies are healthier:
22
79060
3475
01:34
fewer depressed moms,
23
82559
1873
01:36
babies weighing more at birth.
24
84456
1972
01:38
But one out of five families
who could get it doesn't,
25
86900
4344
01:43
and most who do
lose of hundreds of dollars
26
91268
3661
01:46
to the for-profit
tax-preparation industry.
27
94953
2884
01:51
One day, a mom asked us
why we couldn't do her taxes
28
99409
3664
01:55
while she waited for the doctor.
29
103097
1596
01:56
(Laughter)
30
104717
1009
01:57
We all know that purgatory.
Why not make good use of that time?
31
105750
4244
02:02
So we started StreetCred,
32
110018
2060
02:04
an organization prescribing
tax preparation in clinics serving kids.
33
112102
5178
02:09
This is a brand-new approach
34
117674
2055
02:11
and one that left some
questioning our sanity.
35
119753
3326
02:15
After all, we're doctors, not accountants.
36
123103
2772
02:17
But we have something accountants don't:
37
125899
3516
02:21
access to families.
38
129439
2089
02:24
Over 90 percent of kids in the US
see a doctor at least once a year.
39
132075
4958
02:29
Their parents trust us
40
137732
1440
02:31
and will do anything
to give them a better life.
41
139196
3529
02:36
Doctors in every clinic around the country
could be doing this work, too --
42
144207
3979
02:40
it's simple, really.
43
148210
1364
02:42
The hospital registers
as a tax-preparation site,
44
150126
2729
02:44
and everyone, from medical
students to retirees,
45
152879
3736
02:48
can volunteer as a tax preparer
after passing an IRS exam.
46
156639
4751
02:53
It's not as hard as it sounds, I promise.
47
161905
2751
02:56
I certainly never thought
I would be doing other people's taxes,
48
164680
3086
02:59
but here I am.
49
167790
1359
03:01
We're nearing the end of our third year.
50
169823
2875
03:05
In the first two, we returned
1.6 million dollars
51
173077
4707
03:09
to 750 families in Boston alone.
52
177808
3113
03:12
This year --
53
180945
1186
03:14
(Applause)
54
182155
3995
03:19
This year, we've expanded
to nine sites in four states.
55
187106
3791
03:23
Sixty-three percent of our families
have never heard of the EITC.
56
191357
5163
03:28
How can you claim something
you haven't heard of?
57
196968
3178
03:32
And half have never used
free tax preparation.
58
200170
2944
03:35
That two to three thousand dollars a year
59
203769
2575
03:38
goes a long way.
60
206368
1867
03:40
Take hunger.
61
208259
1169
03:41
An adequately nutritious, low-cost diet
for a mom and two young kids
62
209984
4578
03:46
costs 477 dollars a month.
63
214586
2960
03:50
With EITC money, that family
can eat for five to six months.
64
218065
4130
03:54
Or think about medical care.
65
222830
2108
03:56
Twenty million children in the US
lack access to care
66
224962
3983
04:00
meeting modern pediatric standards.
67
228969
2133
04:04
And yet, the average cost of that care
is only 400 dollars per kid per year.
68
232122
6410
04:11
EITC money can help fix
this access problem.
69
239157
3582
04:15
Perhaps most powerfully of all,
70
243755
2082
04:17
this money gives moms hope.
71
245861
1722
04:20
One mom used her refund
for her son to study abroad in Spain.
72
248051
4431
04:25
She was struggling to pay her rent,
73
253133
2356
04:27
but she saw EITC money
as his shot at a better future.
74
255513
3797
04:32
We have an opportunity,
75
260064
1884
04:33
as doctors and as citizens,
76
261972
2482
04:36
to get to the root of this problem.
77
264478
2167
04:38
We can reimagine health care
78
266669
1671
04:40
as a place addressing
the causes of poor health,
79
268364
3673
04:44
be it infections
80
272061
1645
04:45
or finances.
81
273730
1408
04:47
Thank you.
82
275567
1211
04:48
(Applause)
83
276802
5780

▲Back to top

ABOUT THE SPEAKER
Lucy Marcil - Pediatrician, social entrepreneur
Lucy Marcil is providing fiscal services to low-income families in the doctor’s waiting room.

Why you should listen

Lucy Marcil, MD MPH, creates innovative solutions buffering kids from the adversity they face growing up with economic stress and poverty. As a pediatrician, she cares for children at Boston Medical Center. She co-founded StreetCred, a nonprofit addressing the health impact of financial stress by providing fiscal services to low-income families in the the doctor’s waiting room. StreetCred increases access to critical anti-poverty tax credits such as the Earned Income Tax Credit by integrating tax preparation services into pediatric clinics; it has returned over $3.2 million to 1700 clients at 9 sites in 4 states since its inception in 2016. StreetCred is now bundling tax services with enrollment in other economic mobility services to create greater financial stability.

Internationally, Dr. Marcil has undertaken pediatric health-systems strengthening. As a HIV/AIDS & Community Health Peace Corps volunteer in Namibia, she leveraged public-private partnerships to create a comprehensive orphan care program and girls’ leadership camps. In Bangladesh, she identified community engagement methods to build maternal-child healthcare systems in urban slums. In Kenya, she consulted for Jacaranda Health to transform newborn care systems.

For her work, Dr. Marcil has been recognized with the American Academy of Pediatrics Anne E. Dyson Child Advocacy Award and the Jack Kent Cooke Foundation Quinn Prize, and has been named a Café 100, Davidson College Game Changer and 2018 TED Fellow.

More profile about the speaker
Lucy Marcil | Speaker | TED.com

Data provided by TED.

This site was created in May 2015 and the last update was on January 12, 2020. It will no longer be updated.

We are currently creating a new site called "eng.lish.video" and would be grateful if you could access it.

If you have any questions or suggestions, please feel free to write comments in your language on the contact form.

Privacy Policy

Developer's Blog

Buy Me A Coffee