There Are More Or Less 80 Million Boomers Going Into Retirement

The issue of boomers and retirement is turning out to be more real and more pressing each day. With its expected 77 million members reaching retirement age over the next two decades, a sea change will take place in American society. This largest generation will move from the prominent spending force in the society into the challenges of aging and retirement. While some will have very relaxed means to preserve them, a large proportion will be dependent on Social Security Retirement benefits at a time when several question the stability of that plan.

For a lot of baby boomers, retirement also means moving from private insurance to Medicare for health care needs. At the age of retirement, many people have pre-existing situations which make obtaining additional coverage hard or prohibitively costly. While Medicare is a great boon, it is not free for Part B which includes non-hospital charges, 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 unpleasant. So, boomers and retirement do have issues to solve.

Even for those who can afford supplemental policies to help defray medical expenses, 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 levels of aging Americans and this provider shortage cannot help but have a negative impact on the quality and availability of care. In addition, cutbacks in Medicare payment schedules have meant many medical 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 adjust to changes in their lifestyles and quality of life that are simply part of the aging 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 and other bone and joint conditions mean better chances to retain mobility longer into 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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