More people every day turn age 60, and the population of those aged 50+ continues to grow. The AARP says one in every five workers in the United States is over the age of 55, yet experts tell us we are not embracing the aging population as we should.
If you are over 60, or even look like you are, you may have already experienced that "old geezer" attitude that exists in the United States and much of Europe. You may have heard about or seen the "ok boomer" hashtag being used on social media. "Ok boomer" is a viral internet slang phrase used that calls out or dismisses what is perceived by younger people as out-of-touch or closed-minded opinions associated with the baby boomer generation and older people more generally.
Social media can be harsh! However, 50-year-old golfer Phil Mickelson's recent PGA tour win is casting light on the fact that life does not end at age 50. Phil Mickelson is now the oldest golfer to win a major.
Most Experience Ageism
A research survey shows most people aged 60 and over experience some form of ageism. The survey said almost 80% said they experienced ageism--like people assuming they had memory or physical impairments because of their age.
We have elected Presidents that are older (Reagan, Trump, and Biden), but all of us have heard jokes about their age. It is hard enough to deal with your own changes in health and body because of your age, but when people assume you or a loved one is incapable or limited just because of age, it is hurtful and wrong.
ADEA Protects You from Age Discrimination
The Age Discrimination in Employment Act (ADEA) forbids age discrimination against those over age 40. The law prohibits discrimination in any aspect of employment (hiring, firing, pay, job assignments, promotions, layoff, training, benefits, and any other term or condition of employment). It also makes it unlawful to harass a person of his or her age.
Harassment does not mean simple teasing; however, any offensive or derogatory remarks about a person's age that is so frequent or severe that it creates a hostile or offensive work environment or when it results in an adverse employment decision is unlawful.
Yet, as we know, it happens. People who look old, are over age 50, or reference activities, music, or events that would place them as being 'old' can pigeonhole a person.
The website Everyday Health recommends several ways to overcome ageism. They include speaking up and surrounding yourself with younger people. If you seem like you’re the only adult in the room, coworkers will see the wealth of experience and knowledge you have as long as you hold your ground.
If you are retired remaining active and engaged with life will also help. Our society, unlike others, does not automatically value the experience and knowledge older people offer.
Be sure not to allow health care professionals, including doctors, to dismiss your concerns. It is reported that some doctors will disregard things that an older adult will say.
Ageism in Health Care Is Real
An analysis of National Health and Retirement study data found that one in five adults over age 50 experience age-related discrimination in health care, and one in seventeen said it was frequently. The results of this bias are often associated with new or worsening disability, poorer mental and physical health, and the use of fewer preventive health services.
A Liz Seegert article on the NBC News website suggests that ageist doctors are harming older patients. Without changes in medical training and attitudes as the country ages, she says that more and more of us will be at risk when we seek care.
Don't think that ageism means you can ignore real changes in health, body, and mind that occur as they get older. Many of these changes increase our need for long-term health care services, and those costs are very expensive.
Long-Term Health Care Prevalent and Expensive
The LTC NEWS Cost of Care Calculator shows that costs can exceed $100,000 a year depending on the amount of care you require and location, with nursing homes costing the most. Most care is delivered at home, which costs less, but without planning, the role of caregiver often falls on a daughter or daughter-in-law.
Affordable Long-Term Care Insurance is one of the best ways to plan. The time to prepare is before you retire, ideally in the 40s or 50s. You can avoid dependency and stay in control of your care and your assets. In addition, your family will have time to be family.
Find a qualified and licensed specialist to help you find the right options - click here to find an LTC Insurance specialist.
Aging is something natural and to be proud of. You earned respect. You should stand up for that respect. However, it does require planning because the consequences impact not only you but your savings, lifestyle, and legacy - not to mention your family.
Affordable Long-Term Care Insurance is an outstanding planning solution for the costs and burdens that come with aging. Longevity requires planning, and the older we get, the more changes we experience with our health and bodies. At older ages, we start seeing declines in our cognitive ability as well.
The time to obtain coverage is before you retire, ideally in your 40s or 50s. Use a qualified and licensed Long-Term Care Insurance specialist to help you navigate the many available options, pricing, and underwriting rules.
You may want to avoid your financial advisor or general insurance agent with limited knowledge and experience with long-term health care. Top specialists will work with the top companies, and premiums can vary over 100% between companies. Plus, underwriting rules differ dramatically between companies.
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Resources on LTC NEWS
LTC NEWS offers many tools and resources so you can learn about the types of care available, the costs of care today and in the future, insurance and other planning options, and more.
Can Reverse Mortgages Help?
For some people, especially those who have most of their assets in the value of their home or who are already experiencing substantial health problems, a reverse mortgage could be a solution. Today's reverse mortgages can provide tax-free funds for income, care, or even fund the cost of Long-Term Care Insurance. Learn more by clicking here.
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