October 12, 2004
AS THE ELDERLY MAJORITY VOTES ITSELF LARGESSE:
The ageing face of the future (GILLIAN BOWDITCH, 10/12/04, The Scotsman)
BELLE Macmillan is a member of a select group. Born in the reign of Edward VII, her life has encompassed two world wars and 17 prime ministers. In 1909, the year she was born, the North Pole was conquered and Louis Blériot became the first man to fly across the Channel. But the 95-year-old is also the face of the future. A former nurse, widowed and childless, she moved from sheltered housing into residential care in Edinburgh in spring 2002. "I wasn’t very well and I couldn’t walk. I couldn’t get out," she says. "I’d been in my previous home for 23 years so I thought I had done quite well."By 2101, the number of Scots aged 90-plus will pass 350,000 and could be as high as 435,000 - more than ten times current levels - according to work carried out by Phillip Rees, of Leeds University.
Falling birth rates mean many nonagenarians of the future will, like Belle, have no family. Traditional models of care may become obsolete.
If a 22nd-century Scotland populated by Methuselahs seems unlikely, consider how surprising today’s average life expectancy would have seemed to our great-great-grandmothers. The 20th century added 25 years to the average lifespan and that figure continues to rise. UK wide, the over-80s are the fastest growing segment of the population; their numbers are expected to treble within 25 years. Estimates of the outer limits of mortality, as currently calculated, stop at around 122.
But in affluent countries, the number of centenarians has doubled every decade since 1960. In Japan, the number of centenarians has risen from 154 in September 1963, when records began, to 23,038 this year. The 2001 census showed Scotland had around 500 centenarians and 29,114 people aged over 90.
"There is nothing we can do about ageing," says Prof Rees. "It is happening. Whatever population projection scenario you adopt, you still have ageing [and] we have to adapt."
Jess Barrow, head of policy and public affairs at Age Concern Scotland, praises the Executive for three policy initiatives for older people - "free personal care, free central heating and free transport - all of which are tremendously important; these policies are making a real difference to people’s lives. But the government’s approach to the ageing population and declining population has been to focus on immigration as the solution.
Free care for our old: Will new policy turn into costly mistake? (The Scotsman, 10/12/04)
FREE personal care for the elderly has been hailed by the Executive as one of the success stories of devolution but the controversy surrounding its long-term cost is growing like Jack’s beanstalk.More than 48,000 Scots now receive free personal care. This year has seen a 74 per cent increase in those receiving care in their own homes. Last month, Robert Black, Scotland’s auditor general, said almost the entire £126m annual budget for free personal care had been spent in the first nine months of this year. The Executive has pledged to honour the policy, introduced by Henry McLeish in 2001, but experts increasingly believe it will not prove financially viable in the long term.
There's a sales pitch for you: "Come to Scotland because we need to tax someone to fund our comfortable twilight years." Posted by Orrin Judd at October 12, 2004 8:21 AM
The obvious solution--the return to extended families with pooled family wealth and responsibilities--is the one no one wants to talk about yet. It will be fascinating to see whether it will be the young or the old that resist it most vehemently.
Posted by: Peter B at October 12, 2004 8:53 AMPeter:
And getting back to it requires removing free services for the elderly, not adding them.
Posted by: oj at October 12, 2004 9:04 AMThe easiest thing to do is move the Medicare age as well as Social Security age to about 75 for people who are 40 and under(I'm 40) which will at least bring the actuarial tables into some form of reality.
I don't know what we do about a health care system where the average person spends $100,000 on medical care in the last year of his life.
Posted by: Bart at October 12, 2004 11:03 AMOrrin:
True, but as it will be politically hazardous to try and cut benefits for the aged, I wonder whether the last legacy of the boomer generation will be a few decades of serious inflation.
Posted by: Peter B at October 12, 2004 11:51 AMPeter,
Inflation? You bet! The printing presses at the Treasury will be glowing white-hot to try to keep up with the demand for dollars to make entitlement payments.
The current state provided retirement systems is based on the "tragedy of the commons", or, free-rider phenomenon. People can benefit from the system without paying in (having children). Your solution is the equivalent of dividing up the town commons and selling it to private landholders. It may happen by default, as government provided programs crash under the weight of their obligations. Then, like a game of musical chairs, those players left wihout children when the music stops will be losers. It won't be a pretty sight.
Posted by: Robert Duquette at October 12, 2004 1:14 PMInteresting policy options ahead: the triumph of the spongers - or - the victory of the euthanizers. Bet on the IV.
Posted by: luciferous at October 12, 2004 1:19 PMWhile it's true that the current retirement programmes in the US and Europe suffer from a "tragedy of the commons" effect, I don't think that the average American perceives that.
Most American wage earners believe that they have paid for their retirement, and until last decade, the SS administration did nothing to correct that perception.
However, neither SS nor Medicare will crash under the weight of their obligations.
Americans will pay more in taxes, and the national debt will balloon, but although the burden will be extremely irritating, it'll hardly be a meltdown. Instead of paying 15.3% FICA taxes, we'll pay 20% or so, and the caps on earnings taxed for SS will probably be lifted.
Run the numbers, and it becomes clear that America has a manageable problem.
Nations like Japan, Italy, Spain, and especially Poland are headed for meltdown.
It'll be interesting to see how, and if, they cope.
In forty years, Americans might be holding charity concerts to raise money for relief efforts for Europe's seniors, making sure that they get a warm blanket and a daily bowl of hot soup.
Posted by: Michael Herdegen at October 12, 2004 4:33 PMI've said it before and I'll say it again--tee times for everybody! And prices should come down as well, especially since the Japanese have similar problems.
Just so long as there's someone to run the distilleries...
Posted by: jsmith at October 12, 2004 11:39 PM