There Are Roughly 80 Million Baby Boomers Heading In To Retirement
The issue of boomers and retirement is turning out to be more real and more pressing each day. With its estimated 77 million members getting to retirement age around the next two decades, a sea change will occur in American society. This largest generation will move from the prominent spending force in the society into the problems of aging and retirement. While some will have very easy means to sustain them, a huge percentage will be dependent on Social Security Retirement features at a time when certain question the stability of that plan.
For many baby boomers, retirement also signifies moving from private insurance to Medicare for medical needs. At the age of retirement, a lot of people have pre-existing situations which make obtaining additional coverage tough or prohibitively expensive. While Medicare is a fantastic boon, it is not free for Part B which comes with non-hospital charges, and it only pays 80% of expenditures that it covers at all. For those living on Social Security Retirement benefits solely or primarily, even that Part B premium may be unpleasant. So, boomers and retirement do have problems to eliminate.
Even for people who can afford supplemental policies to help defray medical costs, there are concerns about the ability of the system to fulfill the medical needs of an aging population. The number of geriatric specialists is not sufficient to meet the rising numbers of aging Americans and this provider deficiency cannot help but have a harmful impact on the quality and availability of care. Also, cutbacks in Medicare payment schedules have meant many medical doctors who are not participating in Medicare or who are threatening to quit.
As for everybody who is aging, boomers at retirement age and beyond may well have to conform to changes in their lifestyles and quality of life that are merely part of the aging process. Chronic disease grow to be 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 advancements in medicine have meant longer and more functional lifespans. Improvements in the treatment of arthritis as well as other bone and joint conditions mean much better chances to retain mobility longer into life. Worn out joints can now often be changed 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 actually hope for a long life in retirement that is enjoyable and functional.
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