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There Are About Eighty Million Boomers Going Into Retirement
The dilemma of boomers and retirement is becoming more genuine and more pressing each day. With its estimated 77 million members reaching retirement age over the next two decades, a sea change will occur in American society. This significant generation will move from the predominant spending force in the society into the issues of aging and retirement. While a few will have very easy means to sustain them, a large proportion will be dependent on Social Security Retirement advantages at any given time when a few query the reliability of that plan.
For many baby boomers, retirement also means moving from private insurance to Medicare for health care needs. At the age of retirement, numerous men and women have pre-existing conditions which make acquiring extra coverage tough or prohibitively expensive. While Medicare is a great boon, it is not free for Part B which includes non-hospital charges, and it only pays 80% of costs that it takes care of at all. For those surviving on Social Security Retirement features solely or mainly, even that Part B premium may be unpleasant. So, boomers and retirement do have problems to solve.
Even for those who can afford supplemental policies to help defray medical expenditures, there are concerns about the capacity of the system to meet the medical needs of an aging populace. The number of geriatric specialists is not sufficient to meet the rising numbers of aging Americans and this provider shortage cannot help but have a negative impact on the quality and availability of care. Additionally, cutbacks in Medicare payoff schedules have meant many physicians who are not engaging in Medicare or who are threatening to quit.
As for everybody who is aging, boomers at retirement age and beyond may well have to adjust to changes in their lifestyles and quality of life that are simply part of the aging process. Chronic disease turn out to be more common in the aging and these can worsen such essentials as mobility, self-care and nutrition. Cognitive changes can additionally have a devastating impact on function.
The good news is that advancements in medicine have meant longer and more functional lifespans. Improvements in the treatment of arthritis and other bone and joint conditions mean better chances to retain mobility longer into life. Worn out joints can now often be changed restoring almost normal function and liberty from pain. Knowledge that keeping the mind active can delay or even prevent cognitive decline additionally improve the quality of life. As long as we can make the innovations of medicine available, boomers can actually hope for a long life in retirement that is enjoyable and functional.
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