“…We use representative and cross-nationally comparable micro-level data from the European Community Household Panel (ECHP, 1994–2001) and the EU-Statistics on Income and Living Conditions (EU-SILC, 2004–2013) ( Dewilde, 2015 ; Haffner, 2015 ), for 12 Western European countries: Belgium (BE), Finland (FIN), France (FR), United Kingdom (UK), Ireland (IE), Austria (AT), Germany (DE), the Netherlands (NL), Spain (ES), Greece (GR), Italy (IT) and Portugal (PT). Our focus is on adults and children living in households with a reference person ≤ 60 years of age, as in most countries elderly households – who are more often in social housing or long-term protected tenancies – have remained more shielded from rent increases or income declines.…”