The issue of boomers and retirement is turning out to be more real and more demanding each day. With its anticipated 77 million members reaching retirement age around the next two decades, a sea alteration 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 certain will have very relaxed means to preserve them, a substantial percentage will be depending on Social Security Retirement benefits at a time when certain question the dependability of that plan.

For a number of baby boomers, retirement also means moving from private insurance to Medicare for medical wants. At the age of retirement, many people have pre-existing situations which make obtaining supplementary coverage hard or prohibitively high-priced. While Medicare is a great boon, it is not free for Part B which comes with non-hospital expenses, and it only pays 80% of expenses that it covers at all. For those living on Social Security Retirement benefits solely or generally, even that Part B premium may be unpleasant. So, boomers and retirement do have difficulties to solve.

Even for people who can afford supplemental policies to help cover medical expenses, there are concerns about the ability of the system to fulfill the medical needs of an aging population. The amount of geriatric specialists is not sufficient to meet the rising levels of aging Americans and this provider shortage cannot help but have a harmful impact on the quality and delivery 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 give up.

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 merely part of the growing older 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 effect 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 much 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 busy can delay or even prevent cognitive decline also 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 pleasant and functional.

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