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There Are Roughly 80 Million Boomers Going In To Retirement
The issue of boomers and retirement is becoming more real and more pressing each day. With its anticipated 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 predominant spending force in the society into the challenges of aging and retirement. While some will have very relaxed means to preserve them, a significant proportion will be reliant on Social Security Retirement benefits at a time when some question the stability of that plan.
For a number of baby boomers, retirement also signifies moving from private insurance to Medicare for health care requirements. At the age of retirement, many people have pre-existing conditions which make obtaining additional coverage hard or prohibitively high-priced. While Medicare is a fantastic 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 surviving on Social Security Retirement benefits solely or primarily, even that Part B premium may be unpleasant. So, boomers and retirement do have difficulties to eliminate.
Even for those who can afford supplemental policies to help pay for medical expenses, there are concerns about the ability of the system to meet the medical needs of an aging population. The number of geriatric specialists is not sufficient to meet the rising levels of aging Americans and this provider deficiency cannot help but have a negative impact on the quality and delivery of care. In addition, cutbacks in Medicare payment schedules have meant many physicians 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 conform 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 mobility, 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 active 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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