Tag: baby boomers
Is America’s Healthcare Ready For The Silver Tsunami?

Is America’s Healthcare Ready For The Silver Tsunami?

With the Baby Boomer generation aging and gradually having advanced healthcare needs, America seems like it’s going to have a hard time keeping up. The so-called “silver tsunami” isn’t a natural disaster that causes flooding, but rather a test of the United States’ healthcare capacities. This tsunami carries a hefty amount of power just like its natural namesake, as it could potentially force change in the U.S over time. Already, the impacts of generational population sizes are beginning to show where the weak points are in the nation’s care options.

Baby Boomers Aging

Every generation has some natural fluctuations in numbers, but the Baby Boomer generation has been notoriously large. Because of this, many current systems in place are unequipped to deal with the generation’s large numbers. Now, as the generation ages and the Silver Tsunami approaches, more members of the generation will require additional medical intervention.

Many of these medical needs are fairly commonplace, such as hearing aids and similar assistive devices. More than 10 million people in the U.S. use hearing aids. However, with more strain being put on the nation’s healthcare system, some Boomers are falling through the cracks. This neglect can have a major impact on the health of Boomers, especially in the face breakouts of diseases. The common cold may be easy enough for an older American to overcome since the average person makes a full recovery in about 10 days, but viruses like influenza and measles pose a serious danger. If at-risk seniors don’t have access to the vaccines and care they need to fight afflictions like these, they could lose their lives.

Cracks In System Exposed

With more people relying on healthcare and even assisted living, more problems with the systems currently in place are being exposed. In some cases, this can take the form of highly costly procedures that are necessary for comfortable aging. This is particularly true of complicated interventions, such as cardiopulmonary bypass. Gibbon developed the cardiopulmonary bypass in 1953, and it’s still often a necessary measure in healthcare. The high cost, unfortunately, leads many individuals to not receive the care they need to live longer, healthier lives.

Cost isn’t the only harmful element of the current American healthcare system. When it comes to treating the elderly, malpractice and even abuse occur at alarmingly high rates. Elderly patients often lack necessary representation and advocacy when it comes to their care. A recent study estimated that only one in 14 cases of elder abuse are ever reported to authorities. With an aging population, the United States will be in need of better, more reliable care for the elderly.

Preparing Future Healthcare

Luckily, some are taking steps to begin preparing for the Silver Tsunami today. Improving the nation’s healthcare system will take time, and as the next presidential election approaches, healthcare will continue to be a subject of debate. However, some areas across the nation have already begun training additional medical care staff in order to prepare for the needs of an older demographic of patients. With improved training and changes to healthcare, it’s possible that medical treatment across the board will become more affordable. This could even extend into procedures often seen as aesthetic in nature; today, some four million Americans are wearing braces, according to the American Association of Orthodontists. With potentially drastic measures needed to make healthcare affordable enough for the vast aging population, it’s possible that healthcare could gradually become more affordable.

With the Baby Boomer population aging rapidly, adaptations in healthcare must be created in order to accommodate the increased demands. Currently, the healthcare system will struggle to care for everyone reaching their elderly years. In the years to come, the United States will need to adapt in order to care for all of its elderly citizens effectively and affordably.

Social Media Helps Millennial Voters Register, But Turnout Worries Linger

Social Media Helps Millennial Voters Register, But Turnout Worries Linger

By Amy Tennery and Melissa Fares

NEW YORK (Reuters) – As the youngest members of the millennial generation became old enough to vote in this year’s U.S. presidential election, states and social media platforms poured efforts into online registration, hoping to attract these tech savvy voters who now rival Baby Boomers as the country’s largest demographic.

With Election Day just two days away, political experts are skeptical that a record number of millennials who signed up to vote will actually result in the 18-34 year-old age group turning out at the polls in proportion to their relative size of the U.S. population.

Millennials make up approximately 31 percent of U.S. citizens eligible to vote, according to the Pew Research Center, on par for the first time with Baby Boomers, who are typically aged 52-70 years old. There are an estimated 225.8 million eligible U.S. voters.

Millennials have so far, however, turned out in much lower numbers in elections than Baby Boomers. In 2008, a record year for millennial turnout, just 50 per cent of those eligible to vote did so, the National Census Bureau said. That compared with turnout rates of 69 per cent for Baby Boomers and 61 percent for people aged 36 to 51, also known as Generation X.

This year, a number of efforts on social media by states and non-profits aimed to change that, including Facebook reminders on users’ accounts, Twitter hashtag campaigns, celebrities creating Snapchat and an Instagram post urging people to vote.

According to a survey of state electoral officials and voter non-profits around the United States, these social media campaigns have paid off, at least when it came to getting young voters registered.

A survey of 2,000 millennials conducted by social media platform Yik Yak, which is known for its popularity among college students and teens, showed that 62 percent registered to vote for the first time this year and, of those, 9 percent registered online following a social media prompt.

In California, roughly 31 per cent of all registered voters are now aged 18-35. A Facebook reminder on May 16 coincided with 143,255 people registering or updating their registrations online that day in the state, compared to an average of 23,166 per day that month, said California Secretary of State spokesman Sam Mahood. Other states reported similar spikes.

In Oregon, more than 420,000 people registered to vote online in 2016, up from 2012 when 163,545 used the online system. Digital voter enrollments in Washington jumped by roughly 135,000 in 2016, compared to 2012. From January through mid-October this year, 381,318 people used the online system in Indiana, nearly three times as many as in 2012.

“Let’s face it – that’s where [younger voters] are; they’re on social media,” said Denise Merrill, the secretary of state for Connecticut, which used social media campaigns, including a dedicated hashtag and Facebook’s banner ads, to drive registrations. “Whatever we’re doing, we’re having pretty dramatic results.”

‘HUGE POTENTIAL’

Like a lot of experts, Donald Green, a professor of political science at Columbia University, is skeptical that an increase in young voter registration will correspond with millennials unseating the Baby Boomers as the most active voting bloc.

Green conceded that there was “change afoot,” but said he thought it would far more gradual. By his estimate, it would be 25 years before millennials overtake Baby Boomers, or what he dubbed “generational replacement.”

“In presidential elections the translation of new registration to votes is more like one half or one third,” he said.

Michael Cornfield, an associate professor of political management at George Washington University, agreed that registering someone to vote does not guarantee they’ll show up on Election Day.

“It’s up to the campaigns to do the last bit, which is to say make sure the right millennials in the right battleground states are being targeted,” said Cornfield.

Some political experts said that, in general, millennials tend to vote more for Democratic Party candidates than Republicans.

Laura Wray-Lake, an assistant professor at the University of California-Los Angeles, said the increase in millennial registration could be a boon for Democrats if they could harness some of the social media techniques used to register voters to get them to the polls.

With many political experts expecting overall voter turnout to be lower this year, millennial voters in swing states are a bloc that Democratic candidate Hillary Clinton could hope to turn out. Clinton leads Republican candidate Donald Trump by 27 percentage points among likely voters ages 18-34, according to a Reuters/Ipsos poll.

“Young people have huge potential for political impact” Wray-Lake said. “I think eventually these millennials will be deciding the future of the country.”

(Reporting By Amy Tennery; editing by Grant McCool)

IMAGE: Rock the Vote Digital Director Sara Tabatabaie, 26, works on her computer in Los Angeles, California, U.S., November 4, 2016. REUTERS/Lucy Nicholson

Senior Travelers Attracted To Road Scholar Program

Senior Travelers Attracted To Road Scholar Program

By Sam McManis, The Sacramento Bee (TNS)

She is 84 and, much to her dismay, doesn’t get around as well as before. Only rides her bike 15 miles a day, now. In her younger days, she would navigate a sailboat to far-flung locales such as the Baltic and South China seas, hike in Tibet and Egypt, traverse the Great Wall of China, take off in an Airstream to search for America.

Aging, however, hasn’t slowed Nancy Sinclair’s yen for travel.

When Sinclair and her friends at Roseville, Calif.’s Sun City feel especially adventuresome, they will hit the road with Road Scholar, the educational travel service that for 40 years has provided trips and lifelong learning programs for older adults — 5 million or so, at last count — be it exploring the geologic masterpiece that is El Capitan with a naturalist in Yosemite National Park or ogling artistic masterpieces such as Michelangelo’s “David” in Florence, Italy.

For Sinclair, her Road Scholar experiences took her to Sedona, Ariz., and on to the Grand Canyon via train in one extended trip, a long visit to the Canadian Maritime provinces the next.

“Everything is done for you,” she said. “Every day is organized. You don’t get lost. You have people pointing out history. What I like, in any trip I take, is … to get the knowledge of the local area. They’ll bring in artists and local people who live in that area. They take you to places you might not find on your own. Plus, you learn what’s going on now. I’d never heard of it before my friend, a tour organizer, told me. Of course, back then, it was still called Elderhostel.”

Right, about the name: For its first 35 years, the nonprofit was known by the name Elderhostel, modeled on Scandinavian folk schools by two American academics. But in 2010, the organization underwent the marketing equivalent of an aging diva getting plastic surgery — a total branding makeover. Its name was changed to Road Scholar, which certainly seemed to better reflect the true nature of the program’s evolution, giving it an almost Kerouacian romantic sheen, coupled with high intellectual purpose.

With the first wave of baby boomers now comfortably ensconced in senior citizenship, and millions more hitting the Medicare threshold every year, Road Scholar CEO James Moses said the original name was a “misnomer,” at least partially. Sure, many of the participants could be classified as elderly, though many a boomer may blanch at that designation, but “people were never staying in hostels.”

Indeed, when you think Elderhostel, you think of granola-munching people bedding down in dingy dorm rooms and walking around in shorts, black knee-high socks and Birkenstocks. Truth is, these “experiences,” as Moses refers to trips, often are on luxury buses or trains, and the accommodations are plush, not spartan, the food gourmet and the wine certainly not guzzled out of smelly goat-skin bota bags. A name change had been batted around for years, since the American version of Elderhostel had long since morphed beyond its Scandinavian-inspired roots.

“The problem for years was, (Elderhostel) had became so iconic,” Moses said. “Everybody knew the name, and it was difficult for us to contemplate utilizing a different name. Ultimately, in 2010 we made the decision that this next generation of ‘elders’ was finding such difficulty with the name that it made sense for us to take the plunge.

“Probably the real transitioning started 10 years ago, when the World War II generation started to give way to the silent generation, to use demographers’ term. People, while they still have learning as their primary objective, began to become more interested in experiential learning rather than classroom-based learning. We started shifting the academic and lecture portion to be more on-site.”

This newer generation of “elders” embraces technology, Moses said, which makes on-site learning easier.

“If your experience is in a museum, the lecture now is taking place in the museum, rather than (in a lecture hall) before you get to the museum,” he said. “For instance, we use these listening devices where the academic is wearing a mike and everybody in the group has their ear buds. And you can hear, even if he or she is whispering, from 40 to 50 feet away. So you can lecture without disturbing anyone else in the museum. It makes for a great way for people to get information and learn.”

It is the educational aspect that separates Road Scholar from other for-profit travel organizations geared toward seniors. It’s one thing to see the Grand Canyon, marvel at its sweeping grandeur and read a plaque or national park brochure; it’s quite another to have a geologist delve deeply into the rock formations, describing how epochs of climate change carved out such a dramatic landscape. In addition to the tour Sinclair took from Sedona to the Grand Canyon, via the Verde Canyon Railroad, Road Scholar offers rafting trips, rim-to-river hikes and a six-night North-to-South Rim exploration.

Such insider knowledge was worth the $995 she paid, Sinclair said. (The rafting adventure is the most expensive of the Grand Canyon trips, at $1,485, including hotel stays and meals.)

“I’ve made comparisons, pricewise,” Sinclair said. “It’s pretty good, and you get what you pay for. You learn something.”

David Hess, also of Roseville, took part in several Road Scholar programs with his wife before she died last summer. Twice, they went on a Road Scholar-sponsored trip to Ashland for the Oregon Shakespeare Festival.

“They had one of the actors come in and tell us from their perspective how they did the role, what they liked and didn’t like about the production,” Hess said. “I remember this one actor from ‘The Merchant of Venice’ came in one time and said, ‘I told the director that I’d play the part any way they wanted it except as gay. And guess, what? He wanted me to play it gay.’

“They got one of the directors to come in and tell us why he directed it the way he did. It made you look at the (play) differently. People were asking this fellow all sorts of questions, from, ‘Did he belong to the union?’ to real technical things about the production, things of that sort.”

Sometimes, the Road Scholar attendees actually stay at universities. On a tour of the Four Corners area (Arizona, Colorado, New Mexico and Utah), Hess recalled, he and his wife stayed near Northern Arizona University in Flagstaff and interacted with students from NAU’s school of hotel and restaurant management.

“They made a gourmet dinner for us,” he said. “Pretty good. One time in Ashland, we ended up eating with the students (at Southern Oregon University). They used to call us White Caps, for all of our gray hair. That was funny.”

As with any tour, group dynamics can be tricky. Plus, interests can wax and wane in subject matter. Hess said he and his wife played hooky while on an Elderhostel (pre-name change) trip to the Northern California wine country.

“They were fine with it,” he said. “If you leave the group, they want to know. We just didn’t care for one of the courses they were teaching — I can’t remember which — so we excused ourselves and went to another restaurant, just to get away. But you come back, of course.”

Sinclair: “I had one of those kinds of experiences in a tour of Italy. Boy. You just roll with it. That’s life. You’re going to run into people you don’t get along with or things that don’t interest you.”

Moses did note that Road Scholar’s fastest-growing segment is in its Flex Programs — where participants have access to all the experts and amenities but chart their own specific itinerary.

“That (Flex) program really was a nod to this next generation of baby boomers,” Moses said. “They did a lot of traveling and backpacking on their own when they were younger. They like the idea of independent exploration, but they also wanted the benefit of insider access we provide. There’s less scheduled time, although it’s still a pretty rigorous academic experience. People like that.”

Another nod to a changing demographic is a growing number of trips for grandparents and their grandchildren — usually ages 6 to 14, but occasionally college-age.

“These days, a lot of grandparents don’t live near their grandchildren,” Moses says, “so it gives them a chance to experience some time together they wouldn’t have if that middle generation, the parents, were there.”

Other programs are geared for all three generations, including a recently introduced “family learning adventure” to Cuba.

The organization also has started using celebrities as “teachers.” In March, Road Scholar announced that former network news anchors Tom Brokaw and Dan Rather will host two lecture trips this spring and summer, one coming aboard a ship charting the maritime history of Nova Scotia.

“It probably will happen more often, as lots of these well-known experts in their fields begin to age and retire,” Moses said of using celebrities to host programs.

Might there, one day decades hence, be a Kim Kardashian Road Scholar “experience”?

“I think I can safely say that won’t happen,” Moses said.

ROAD SCHOLAR // www.roadscholar.org; (617) 426-7788

Photo: A hike in the Canadian Rockies is an example of the excursions offered by Road Scholar, an education-promoting travel service once called Elderhostel. (Courtesy Eileen Knesper/Road Scholar)

Are Retirees Thinking Differently About Their Future?

Are Retirees Thinking Differently About Their Future?

By Tim Grant, Pittsburgh Post-Gazette (TNS)

For the group of adults ages 35 to 48 known as Generation X, the golden years of retirement will look a lot different than it did for past generations of retirees who often worked one or two jobs their entire careers, left the workforce at age 65 with a pension and spent the rest of their lives pursuing passions and leisure activities.

Weighted down with student loans, credit card debt and measly saving accounts, the vast majority of people from Generation X have come to believe the traditional definition of retirement is a romantic fantasy of the past, with more than 8 in 10 who participated in an Allianz Life study saying that a retirement starting at age 65 spent doing what you want is unrealistic.

“We surmise they will either work during retirement because they don’t have enough money, or they want to work because it keeps them engaged,” said Katie Libbe, president of consumer insights at Allianz Life, based in Minneapolis.

Allianz Life studied 2,000 Americans — including 1,000 baby boomers ages 49 to 67; and 1,000 Gen Xers — to determine what differences may exist between them.

Both groups feel they will have a lower quality of retirement than previous generations, but Gen Xers were much more hopeless about their ability to achieve retirement goals and about their overall financial situation than were their boomer counterparts. More than two thirds (67 percent) of Gen Xers agreed with the idea that supposed targets for how much you need to retire are way out of reach versus less than half of boomers (49 percent).

“It is widely reported that baby boomers are worried about their retirement, but the financial planning and retirement concerns of Generation X have gotten less attention,” Libbe said. “While our study confirms that many boomers still lack confidence about their future, it reveals alarming realities about the significant angst and pessimism Gen X feels regarding the current and future state of their finances.”

“They’re the next generation that’s quickly approaching retirement and their hands-off approach to planning and preparation is alarming.”

Libbe said the Generation Xers who participated in the study were carrying an average $30,000 in credit card debt, and viewed their credit cards as a survival tool.

Each generation in the study believed they are burdened by more expenses, more uncertainty and more risk than their counterpart.

However, when it comes to jobs, money and retirement, even baby boomers agreed that Generation X has it much tougher planning for retirement, saving money, keeping a job, staying out of debt and getting a job.

“Gen X is very worried about retirement and it stems from what they have experienced in their working lives,” Libbe said. “They bought their houses during the housing bubble and they experienced two bubbles — the Tech Wreck and the Great Recession. And they also have more debt than other generations, either through student loans or their credit cards.”

“We look at this generation and see how rough it’s been for them to get or keep a job due to recessions. They’ve found it hard to get out of debt and due to these things they are not saving as they should.

“Yet, the really surprising thing is they still believe retirement will work out. They believe they will figure it out when they get there.”

(c)2015 Pittsburgh Post-Gazette, Distributed by Tribune Content Agency, LLC

Photo: This jar of money isn’t going to cut it for retirement for Generation X. American Advisors Group via Flickr