Sunday, September 27, 2015

Healthy Retirement

I had worked with him when he started teaching and had steered him in the direction that took him into a leadership role in his subject field. He was now thinking of retiring, he found that he did not enjoy the feel of the school he was in at this time. He also had just reached the age at which he could retire without penalty.

He was still unsure of what he should do, and we talked for a while and I suggested that he talk to the HR professionals about his best options. He wanted to continue to teach  but in the field of Men's Health. As he put it if men took care of themselves as well as women, the death toll of men over 50 would be greatly reduced. He is right, for the most part men do not take care of their health. I am one of the guilty ones. My last annual physical exam was over five years ago. 

There is not a lot of energy or desire, it seems to me, to promote preventative measures by the Health Authorities  in my jurisdiction. Health is one of the most important assets we have as we move into retirement, we need to plan just as carefully for our health needs as we do for our financial needs.

There is a group in BC The Council for Senior Citizens Organizations that created a charitable arm called the Seniors' Health and Wellness Institute that gives workshops on Healthy Aging and Prevention. This group has given free workshops in BC, Alberta, and Newfoundland. I finished a week of training with them and will have more to say in a later blog. But to get you started to focus on having a healthy retirement here are some websites to help:

AARP Healthy Living


5 Workout Tips for Baby Boomers



Baby Boomer Health

Boomers must act now to reduce risk of heart disease and stroke and “Make Health Last” (Report)


Canada’s Aging Baby Boomers  Planning Health Insurance for the Future


Will you be encouraged to work after 67?

Two questions raised by   in a recent article bear some consideration. The first question is about poverty in the over 65 crowd.

She states, that based on a the Luxembourg Income study the Canadian middle class is the richest in the world along with Britain, and richer than our American counterparts! Great news for the middle class, however, the elderly poverty rate has been rising since the mid 1990’s and then there are the bankruptcy rates for the over 65 crowd to consider.

The conference Board of Canada states that by 2050, the number of people aged 65 and older will more than triple, to 1.5 billion worldwide. Aging presents a significant challenge to the long-term sustainability of public finances through increases in demand for public pensions, health services, and long-term care in Canada and its peer countries. Together, rising life expectancy and low fertility create a demographic pincer movement, the impact of which is sharpened by increasingly early retirement. In Europe, there are about 35 people of pensionable age for every 100 people of working age. If present demographic trends continue, there will be 75 pensioners for every 100 workers in 2050.

Canada, like its peers, has a greying population. In 2030, an estimated 23 per cent of the Canadian population will be over age 65, double the share in 1990.

Elderly poverty is both a social and a fiscal problem that will be exacerbated as higher percentages of populations in developed countries move into the over-65 demographic. Poverty rates among the elderly tend to be highest among women, particularly widows over the age of 75. This is largely due to pension allowances that have traditionally been linked to employment history

Should we be concerned because in   Canada,  the poverty rate  amongst seniors is now at 6.7 per cent.  Canada’s publicly supported retirement security system comprises a universal component (Old Age Security), a negative income tax (Guaranteed Income Supplement), and an earnings component (Canada/Quebec Pension Plan). The first two establish an income floor that is available to all, regardless of participation in the paid labour force. Canada over time has reduced the poverty rate amongst seniors.

Dalhousie University economics professor Lars Osberg has called the reduction in the elderly poverty rate over the past three decades “the major success story of Canadian social policy in the twentieth century.

According to OECD data, Canada’s elderly poverty rate increased from 2.9 per cent in the mid-1990s to 6.7 per cent in the late 2000s. The biggest jump occurred in the group of elderly people living alone—most likely widowed women.

Statistics Canada, however, has Canadian data going back to 1976. Using this data set, Canada’s elderly poverty rate fell by an extraordinary 25 percentage points—from 36.9 per cent in 1976 to 12.3 per cent in 2010.
The pronounced decrease in Canada’s elderly poverty rate has largely been attributed to the implementation of the Canada Pension Plan and Quebec Pension Plan in 1966. Pensions as a proportion of disposable income among Canada’s elderly more than doubled between 1980 and 1996, from 21 to 46 per cent.The first cohort to receive full public pensions turned 65 in 1976. The generation that followed became the first beneficiaries of private occupational pensions that were expanded between the 1950s and the 1970s.

According to a recent Statistics Canada report, the increase in the low-income rate for seniors indicates that their income has not risen as quickly as the income of non-seniors. The report’s authors suggest that a possible factor behind the slower growth of seniors’ income was the slowed growth of government transfers to seniors: Starting from the early 1990s, the median government transfers to seniors increased at a slower rate relative to the period before the early 1990s. Indeed, from 1976 to 1994, the annualized growth rate of median government transfers to seniors was 8.7 per cent, while from 1995 to 2009, the annualized growth rate was 2.0 per cent.

If current trends continue, the sustainability of public pensions and Old Age Security may be at risk and that may mean an increase in poverty amongst seniors.

There are a number of ways to offset the labour force and fiscal pressures that will arise as a result of Canada’s aging population: The one favoured by the Conference Board of Canda is to develop policies and practices to increase the labour force participation of older people

Indeed, most developed countries have introduced policies and organizational practices that target older workers, including:

  • reducing incentives for workers to take early retirement
  • encouraging later retirement and flexible retirement
  • passing legislation to counter age discrimination
  • helping older workers find and keep jobs

Saturday, September 26, 2015

Does it Spark Joy?

Author, Marie Kondo, proposes a very simple selection criterion about what to keep or throw out of your life. She asks the following question: 

"Does it spark joy?"

That's it!  Look at something and ask yourself if that thing sparks a sense of joy in you.  If so - it can stay, if not - it goes.

She says: "Keep only the those things that speak to your heart. Then take the plunge and discard all the rest." 

So as stumble into fall and the last half of 2015, I suggest you apply this same approach to all areas of your life. Ask yourself honestly if the people, places, things and situations around you spark joy.  If not, start choosing some changes.

I know I can always use more joy in my life, so let's start with Andre Rieu version of Beethoven's work Ode To Joy

Joy, bright spark of divinity,
Daughter of Elysium,
Fire-inspired we tread
Thy sanctuary.
Thy magic power re-unites
All that custom has divided,
All men become brothers
Under the sway of thy gentle wings.

Whoever has created
An abiding friendship,
Or has won
A true and loving wife,
All who can call at least one soul theirs,
Join in our song of praise ;
But any who cannot must creep tearfully
Away from our circle.

All creatures drink of joy
At nature's breast.
Just and unjust
Alike taste of her gift ;
She gave us kisses and the fruit of the vine,
A tried friend to the end.
Even the worm can fell contentment,
And the cherub stands before God !

Gladly, like the heavenly bodies
Which He set on their courses
Through the splendour of the firmament ;
Thus, brothers, you should run your race,
As a hero going to conquest.

You millions, I embrace you.
This kiss is for all the world !
Brothers, above the starry canopy
There must dwell a loving Father.
Do you fall in worship, you millions ?
World, do you know your Creator ?
Seek Him in the heavens !
Above the stars must He dwell.

Thursday, September 24, 2015

Issues for Seniors in Canada

Aging seniors and their families are faced by the complexity of issues facing the elderly. Not only do older people have to contend with declining income, increased debt and poor investment returns, but they have to deal with declining health, medical crises, complex insurance programs, long term care challenges, who-gets-what decisions, end-of-life, where to live in their final years and a whole range of other difficult situations requiring hard decisions.

The Government of Canada and the Canadian Retired Teachers Umbrella organization have identified the following issues as important to Canadians. They may disagree on their solutions, but the problems identified are of concern to both groups.

1.       Health Care including Dementia and other cognitive impairments; lack of Doctors, Social Workers and others trained in how to treat or deal with Geriatricians; Health Accord Funding, and the lack of a National Phamacare programme; the sustainability of medicare, and the issue of end of life care.
2.       Poverty among Seniors, including Seniors Housing, and Pension Reform

The biggest challenges any  community faces with regard to caring for the aging are (1) the lack of awareness and connection to existing systems and supports; (2) the lack of coordination among many existing programs and resources; and (3) the fact that we tend to age differently based on our demographics, environment, formative experiences, and lifestyle.

Our structural orientation towards aging can assign resources in ways that do not always address the highest need. Aging is a process, not a number. Age is as much social as it is biological, and how we age affects our relationships and the ways we think about ourselves and how we think about our place in society.

As we age, the realities of our changing ability to engage the social and physical world affect us all. There is a need for investments to address seniors’ access to places, assistance, and resources. This includes improving how older adults learn about and approach the existing network of support and how they are thereby able to access physically services and amenities throughout the community. Connecting more seniors to the resources that are already available will make an immediate quality of life impact within the community, and will help reduce long-term crisis intervention and chronic illness costs.

At the local and provincial level, agencies and groups working with seniors could provide new and more efficient ways to help seniors and their caregivers navigate through existing programs and resources. This would make a distinct impact for seniors almost immediately.

Community investments can improve how senior advocates and stakeholders coordinate and collaborate across domains and providers. Streamlining the provision of services and the interaction among service providers could make a tremendous long-term holistic impact, leading to a reduction in costs associated with crisis intervention.

One way many seniors can be involved in the community is by volunteering.  A large percentage of seniors want to be active and engaged in their community. In Canada, thirty-six percent of seniors perform volunteer work, with volunteers over 65 contributing about 223 hours a year, compared to the national average of 156 hours. In fact, in 2012, baby boomers and senior adults contributed more than 1 billion volunteer hours. Governments at all levels and community groups should be working together to  support programs and initiatives to encourage and recognize volunteer work by seniors.

The most significant issue facing geriatric medicine right now is that we have an inadequate supply of clinicians who are trained to meet the demands of the aging baby boomers. We do not train nearly enough geriatricians to care for this growing aging population. This is an issue because seniors are living longer and healthier lives than previous generations. Between 2014 and 2036, the average life expectancy for a 65-year-old  in Canada is projected to increase by 1.8 years for women (to 88.8 years) and by 1.9 years for men (to 86.5 years).

Despite this increased longevity, recent statistics tell us that 90 percent of Canadians aged 65 and over live with at least one chronic disease or condition, such as cardiovascular disease, cancer, respiratory conditions, diabetes, dementia, arthritis, or obesity. Chronic health conditions require more focus than ever before to ensure effective health care support and good health management. In fact, the Alzheimer Society of Canada has estimated that, in 2011, as many as 747 000 Canadians were living with Alzheimer's or related dementias, and that by 2031, this figure could increase to 1.4 million.
There is an issue of ageism. We all have innate prejudices, and we are surrounded by negative stereotypes of the elderly in the media. Many people think of old people as being crippled in nursing homes. Many physicians, who do not know that much about aging, assume every complaint from an older person is simply because they are getting older. We need to educate physicians, including internists who are not specializing in geriatrics; about what are really just age related issues and :
  • What is a disease
  • What is correctable
  • What is preventable
If we are to honour our seniors we should act on the following principles:

Promote Independence, not isolation
Programs and initiatives that support independent living must do so without contributing to isolation. Helping seniors to remain at their current address is only a positive investment until it begins to limit their access to food, medical care, and active living. Making investments that help seniors age where they want to age, and to do so in the context of a supportive community, are as equally important as investing in “aging in place.”

Value Seniors as Assets not liabilities
Valuing seniors as community assets rather than just service-users opens up an array of possibilities for leveraging investments by funding senior programs that provide opportunities for seniors to invest in the lives of others. As seniors are increasingly valued as a community resource, investments in seniors will begin to make an impact in the lives of other seniors and younger generations in whom seniors invest their time.

Work on Early Intervention not late
Preventing injuries, illnesses, and crises in the life of older adults is important to maintaining quality of life as well as improving cost savings for seniors and local support systems. Investments that help prevent falls, malnourishment, and other costly and potentially deadly outcomes are simultaneously economical and empathetic. More broadly, since life expectancy and vulnerability vary across the county (and by race and gender in particular), current benefit eligibility standards for older adults as defined by the ages of 60, 62, and 65 may prove to be too late for some seniors

Some Resources for Seniors in Canada


Sources: 

Things to think about

 In a 1933 letter to his 11-year-old daughter Scottie, F. Scott Fitzgerald produced this poignant and wise list of things to worry, not worry, and think about, found in the altogether excellent F. Scott Fitzgerald: A Life in Letters:
Things to worry about:
Worry about courage
Worry about Cleanliness
Worry about efficiency
Worry about horsemanship

Things not to worry about:
Don’t worry about popular opinion
Don’t worry about dolls
Don’t worry about the past
Don’t worry about the future
Don’t worry about growing up
Don’t worry about anybody getting ahead of you
Don’t worry about triumph
Don’t worry about failure unless it comes through your own fault
Don’t worry about mosquitoes
Don’t worry about flies
Don’t worry about insects in general
Don’t worry about parents
Don’t worry about boys
Don’t worry about disappointments
Don’t worry about pleasures
Don’t worry about satisfactions
Things to think about:
What am I really aiming at?

How good am I really in comparison to my contemporaries in regard to:
(a) Scholarship
(b) Do I really understand about people and am I able to get along with them?
(c) Am I trying to make my body a useful instrument or am I neglecting it?