The dilemma of boomers and retirement is turning out to be more actual and more demanding every day. With its anticipated 77 million members reaching retirement age around the next two decades, a sea change will take place in American society. This significant generation will move from the prominent spending force in the society into the difficulties of aging and retirement. While several will have very relaxed means to uphold them, a large amount will be dependent on Social Security Retirement benefits at any given time when several query the dependability of that program.

For a number of baby boomers, retirement also means moving from private insurance to Medicare for healthcare needs. At the age of retirement, many men and women have pre-existing situations which make getting supplementary coverage hard or prohibitively high-priced. While Medicare is a great boon, it is not free for Part B which involves non-hospital charges, and it only pays 80% of expenses that it takes care of at all. For those living on Social Security Retirement advantages solely or generally, even that Part B premium may be painful. So, boomers and retirement do have difficulties to solve.

Even for individuals who can afford supplemental policies to help defray medical expenses, there are concerns about the capacity of the system to fulfill the medical needs of an aging populace. The amount of geriatric specialists is not enough to meet the rising levels of aging Americans and this provider shortage cannot help but have a harmful impact on the quality and availability of care. In addition, cutbacks in Medicare payoff schedules have meant many medical doctors who are not taking part 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 basically part of the aging process. Chronic disease become more common in the aging and these can worsen such essentials as ability to move, 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 practical 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 replaced restoring almost normal function and liberty from pain. Knowledge that keeping the mind busy 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 pleasant and functional.

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