There Are Almost Eighty Million Baby Boomers Heading Into Retirement
The issue of boomers and retirement is turning out to be more real and more pressing every day. With its expected 77 million members getting to retirement age over the next two decades, a sea alteration will take place in American society. This largest generation will move from the popular spending force in the society into the challenges of aging and retirement. While some will have very comfortable means to preserve them, a huge proportion will be reliant on Social Security Retirement benefits at a time when several question the stability of that program.
For a lot of baby boomers, retirement also indicates moving from private insurance to Medicare for health care requirements. At the age of retirement, many people have pre-existing problems which make obtaining additional coverage difficult or prohibitively costly. While Medicare is a wonderful boon, it is not free for Part B which includes non-hospital costs, and it only pays 80% of expenses that it covers at all. For those living on Social Security Retirement benefits solely or primarily, even that Part B premium may be painful. So, boomers and retirement do have issues to resolve.
Even for those who can afford supplemental policies to help pay for medical expenses, there are concerns about the ability of the system to satisfy the medical needs of an aging population. The number of geriatric specialists is not enough to meet the rising levels of aging Americans and this provider insufficiency cannot help but have a negative impact on the quality and delivery of care. In addition, cutbacks in Medicare payment schedules have meant many doctors who are not participating in Medicare or who are threatening to quit.
As for everyone who is growing older, boomers at retirement age and beyond may well have to switch to changes in their lifestyles and quality of life that are simply part of the growing older process. Chronic disease become more common in the aging and these can complicate such essentials as ability to move, self-care and nutrition. Cognitive changes can also have a devastating impact on function.
The good news is that advances in medicine have meant longer and more practical lifespans. Improvements in the treatment of arthritis as well as other bone and joint conditions mean better chances to retain mobility longer in to life. Worn out joints can now often be replaced restoring almost normal function and freedom from pain. Knowledge that keeping the mind busy can delay or even prevent cognitive decline also improve the quality of life. As long as we can make the innovations of medicine available, boomers can truly hope for a long life in retirement that is pleasant and functional.
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