CHARLESTON, W.Va. -- The final round of the federal government's Child Tax Credit (CTC) payments ends today, unless Congress votes to extend them before the year is up.

Advocates for West Virginia families say the extra money has helped them make ends meet, and the Center on Budget Policy and Priorities said getting the credits monthly has so far benefited roughly nine in 10 children across the nation.

Holly Bradley, a farmer in Pocahontas County, said the extra money she has received this year through the CTC has helped keep her family afloat, and losing it would be a setback.

"I feel like that's going to leave a lot of folks having to choose between what bills they pay," Bradley asserted. "And what food they're able to put on the table, and if they can make rent or not."

The Build Back Better Act would expand the maximum credit to $3,600 for children under age six, and $3,000 dollars for kids ages 6-17, through next year.

Critics, including Sen. Joe Manchin, D-W.Va., say the increased spending would add more than a trillion dollars to the national debt over the next decade. The IRS said Congress will have to greenlight the social spending package by the end of the month, in order to ensure the next round of monthly payments is made, Jan. 15.

Jessica Ice, executive director of West Virginians for Affordable Health Care, pointed out several provisions in the Build Back Better Act are aimed at helping families reduce essential expenses, especially amid rising inflation.

"For example, things like lowering the premiums for families buying health insurance through the healthcare.gov marketplace; the prescription drug price negotiation for Medicare that would lower costs for Medicare enrollees," Ice outlined.

Bradley pointed out many West Virginia families are still trying to bounce back from income loss during the pandemic. And with the holidays approaching, she believes not being able to count on Child Tax Credit payments will only increase the stress.

"That uncertainty and that instability, our children are feeling that, like, tenfold," Bradley explained. "They can tell when we are unstable, or we are uncertain about our life situation."

A recent survey found 86% of West Virginia parents reported the monthly payments have made a "huge difference" for their families, and 88% said the credits made them less anxious about their finances. Less than 4% of respondents felt the payments do not make much of a difference.

Groups advocating for seniors are applauding Gov. Gretchen Whitmer's plans to prioritize repealing the pension tax and placing a cap on out-of-pocket costs for insulin.

During the State of the State address this week, Whitmer focused on jobs, targeted tax cuts, the economy and education.

Melissa Seifert, associate state director of government affairs for AARP Michigan, said in 2011, a slate of tax-code changes included removing exemptions for pensions as taxable income. Those born before 1946 could keep their exemptions, those born between 1946 and 1952 got a smaller exemption, and those born after 1952 had to pay taxes on all their pension income.

"AARP has been for the last 10 years advocating to really prioritize repealing that pension tax," Seifert explained. "To make an equal playing field among retirement income and have it all taxed kind of in the same way, so nobody was really left behind. "

Seifert pointed out with ever-rising costs for housing, medical care and many other expenses, many retirees have had to return to work to pay the bills. She hopes repealing the pension tax will help seniors on fixed incomes continue to support themselves in retirement.

When it comes to the cost of prescription drugs and insulin in particular, Whitmer said she supports a cap on the out-of-pocket costs per month.

Dana Nessel, the state's attorney general launched an investigation this week into one of the three drug companies responsible for making almost all the nation's insulin.

Seifert argued older Americans would benefit greatly from these steps.

"Between the pension tax and also cutting out-of-pocket costs for individuals who use insulin, it's just really going to be an economic driver we think for the state of Michigan," Seifert contended.

Prescription drugs in the U.S. on average cost 2.5 times as much as medications in other nations. Seifert added with people still struggling economically due to the pandemic, it is important to reduce those costs as soon as possible.

As local municipalities consider ways to use an influx of funds from the American Rescue Plan, some communities see it as an opportunity to support conservation and outdoor-recreation projects.

Pennsylvania's 67 counties are receiving direct allocations totaling $2.8 billion, while municipalities will receive approximately $3.3 billion.

Silas Chamberlin, vice president of economic and community development for the York County Economic Alliance, said while some counties and towns may choose to use the rescue-plan dollars to balance their budget, making investments in conservation or parks and trails can play an important role in a community's pandemic recovery.

"During the pandemic, when other sources of tourism were shut down, our outdoor recreation facilities set record numbers for use," Chamberlin recounted. "It just sort of proved that not only are these kinds of assets important to our tourism economy, but they're incredibly resilient."

Outdoor recreation is one of Pennsylvania's largest industries, generating more than $29 billion annually in consumer spending. Municipalities with fewer than 50,000 residents have received their federal allocation of funds through the state.

A priority highlighted in the American Rescue Plan is ensuring the funds reach historically underserved communities. Chamberlin said York County is using $100,000 from its allocation to plan for and begin development of the South Mountain Trolley Greenway, which runs eight miles between Dillsburg and Mechanicsburg, two towns with limited public trail access.

"In part because they were the places where, if somebody wanted to get on a trail during the pandemic, they had to hop in their car and drive 30 minutes to get to a trailhead," Chamberlin pointed out. "Recognizing that that's not sustainable and not equitable, we tried to pick some projects that sort of rose to the top that would meet those needs but also bring tourists into the community."

Silas added York County saw trail use go up 300% during the pandemic. A majority of municipalities in Pennsylvania have received about 50% of their rescue-plan dollars and should expect to receive the other half by the end of this year.

Many health-care advocates tout the benefits of home-based care rather than sending loved ones to nursing homes or other facilities. For Medicaid recipients in Florida, however, home-based care can be difficult to find because of long waiting lists and high turnover among underpaid home-care workers. There's some hope that lawmakers in Congress could agree - and pass a new, "slimmed down" version of President Joe Biden's Build Back Better plan, with $150 billion for Home and Community-based Services.

Miriam Haramatz, founder and advocacy director for the Florida Health Justice Project, said the funding needs are critical because too many people are fending for themselves.

"One of our clients had to go days without services," she said. "She is in bed after a stroke; she needs aides to come and operate a Hoyer lift. She was going virtually every weekend without any aid."

Harmatz said caregivers often are paid less than $11 an hour to provide intense, round-the-clock care while juggling other duties. She said she sees an infusion of federal funding as a way to help states take people off wait lists, increase worker pay and provide other critical services.

Amber Christ, director of Health Policy and Advocacy for the group Justice in Aging, said chronic underfunding is making it difficult for Floridians to get the proper care they need where they want to receive it - at home with loved ones.

"From an older adult perspective," she said, "this lack of investment in home- and community-based services in effect pushes older adults into nursing facilities, unnecessarily."

Democrats in Tallahassee have put forward a bill to establish a Medicaid "buy-in" program for people between ages 16 and 64 who earn too much to qualify for Medicaid. They've also proposed a bill requiring the state's Social Services Estimating Conference to develop 'iBudget' enrollment and cost projections, so state economists can better track the number of folks on wait lists, which averages around 22,000.