The issue of boomers and retirement is becoming more genuine and more demanding every day. With its estimated 77 million members reaching retirement age around the next two decades, a sea change will occur in American society. This largest generation will move from the popular spending force in the society into the difficulties of aging and retirement. While several will have very comfortable means to sustain them, a substantial percentage will be dependent on Social Security Retirement features at a time when a few query the reliability of that program.

For many baby boomers, retirement also indicates moving from private insurance to Medicare for medical needs. At the age of retirement, numerous people have pre-existing problems which make acquiring extra coverage difficult or prohibitively expensive. While Medicare is a wonderful 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 surviving on Social Security Retirement features solely or mainly, even that Part B premium may be painful. So, boomers and retirement do have problems to resolve.

Even for people who can afford supplemental policies to help defray medical costs, there are concerns about the ability of the system to satisfy the medical needs of an aging populace. The amount of geriatric specialists is not enough to meet the rising numbers of aging Americans and this provider insufficiency cannot help but have a harmful impact on the quality and availability of care. Also, cutbacks in Medicare payment schedules have meant many doctors who are not engaging in Medicare or who are threatening to give up.

As for everyone who is aging, boomers at retirement age and beyond may well have to switch 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 mobility, self-care and nutrition. Cognitive changes can additionally have a devastating effect on function.

The good news is that advances in medicine have meant longer and more functional lifespans. Improvements in the treatment of arthritis and 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 active can delay or even prevent cognitive decline additionally improve the quality of life. As long as we can make the advancements of medicine available, boomers can truly hope for a long life in retirement that is enjoyable and functional.

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