Disability and the Aging Work Force Flashcards
Why is the [workforce] population aging? - 3 general reasons LiME

- Life expectancy increases and fertility declines
- Medical advancement
- Education and research (ex: smoking)
explain how medical advancements have extended life
With the advancement in medicine, we have been able to perform surgeries, provide immunization (prophylaxis), and drugs to extend and improve the quality of life.
explain how education and research has extended life
(give example)
Research has brought much to light in terms of healthy living. There used to be a smoking section in restauraunts. As a society we have learned more about the detrimental effects of smoking. Soldiers during WWII would receive cigarettes in their daily rations, whereas now we receive protein shakes. Can’t smoke in the aircraft, what?

How much has life expectancy increased since 1950?
11 years
What is the current life expectancy in the US?
78 years old
Explain how birth rates over the years have contributed to a shift in our population towards older age
Post world war II birth rates increased dramatically. Economy was better, more optimistic outlook on the future.. Now that large population (baby boomers) is aging.
Also, GI Bill to return to school and improve skills. Oral contraceptives became available in the 60s. This reduced birth rates after the baby boom, so there were less younger folks born in comparison since then .
(I think)
What were 3 policies that discouraged older adults to continue working in the past?

- There was Mandatory Retirement Policies
- Defined Benefits were common
- Delayed receipt: workers could delay receipt of social security benefits in exhange for a 3% reward.
- If workers wanted to continue to work while delying SS benefits, companies penalized workers for staying past a certain age by not giving them company benefits either. It was often not worthwhile to continue working and yet not receive company or social security benefits.
Together these created a disincentive to continue working past a certain age, and provided a means to live without working.
What is mandatory retirement policy?
when and how did it change over time?
Why was it in place?
In the past, workers were Required to leave thier job at a certain age (1978 went from 65 to 70, then in 1986 completely eliminated for vast majority).
Perhaps due to decline in health, employers thought that older workers were risky to emply (could have accidents, etc)
What are 5 reasons older adults are now starting to retire later (or work into retirment)?
- Delayed Retirement Credit, the reward for delayed recipt of social security benefits was increased from 3 % to 8% per year of delay (better incentive to work longer into life)
- Defined Benefits (DB) continue to penalize workers who stay on the job too long, but DB plans are becoming less common as Defined Contribution (DC) plans grow. Unlike DB plans, DC plans are by their very nature age-neutral (tax deferred savings accounts). In 1988 only 26 percent of people had primary DC plans, by 2006 it was 67%. DC plans do not decline if an employee decides to work another year. Once we got to the 1980s, employers realized how expensive this was for the company to maintain defined benefits. The companies could not afford to pay for defined benefits as people lived longer.
- Life expectancy at age 65 has increased by four years and are predicted to rise another two years by 2050
- In general workers have less physically demanding jobs and this trend is expected to continue because of rise of technology. Technology has also increased job flexibility, can work where and when they want.
- Decline in company provision of post-retirment health benefits, so older adults stay at work to get insurance benefits. Fewer firms provide it, and when they do, the retiree pays more of the premium.
- Side note: Increases in healthcare cost are presumably related to aging, but research has shown that increases in healthcare cost may be due to inefficiencies in the healthcare system
What are 5 reasons that older adults are more commonly finding that they must or want to delay retirment?
Why do we care?
We care because we need to show empathy and understand how this could be a shock or dissapointment to our patients. We need to be prepared to help them maintain or improve function so they can continue to be successful workers.
- Some older adults have limited resources and continue to work because they cannot afford retirement (Defined Benefits aren’t what they used to be)
- Some older adults on the higher end of the socioeconomic scale choose to continue to work because they enjoy their jobs
- Some continue to work to stay mentally and physically active (2 most common reason in Merrill Lynch 2006 study), while
- others needed to continue working for healthcare benefits.
- Maybe did not begin planning for retirement until they were in their 40s or life circumstances. Someone becomes ill, medical bills, losing a high paying job.
T/F: there appears to be considerable scope for policy makers to improve the effectiveness of healthcare
True
What can be done at a policy level to help the aging workforce? (general)
Develop policies and programmes to enable older and disabled citizens to live independently longer
What is the European Employment Strategy?
European Employment Strategy is to increase Seniors rate of employment by 50%
Which countries are meeting the European Employment Stratagy goal?
European Employment Strategy is to increase Seniors rate of employment by 50%
- Countries meeting this goal: Nordic Countries, the UK, and Portugal
Overall, in the european union, what fraction of older adults are still working (and what age range is this number for)?
Overall in EU, ⅓ of people ages 55-64 are still working
T/F: there is is a shift in attitude toward aging working, and a recognition of the value of the experience older workers bring to their companies
true
Shift in attitude toward aging working; recognition of experience
What is Active Aging? (4 points)

- Term developed by WHO in the late 1990s
- Inclusive term for “healthy aging”
- Life for the aging is bigger than healthcare
- Shifts focus away from “needs” focus to human rights focus
What are 5 human rights and aging, and UN principals?

C– DIPS
Human Rights and aging and UN Principles:
- Care
- Dignity
- Independence
- Participation
- Self-fulfillment
What does “active” refer to in Active Aging?
“Active” refers to continuing participation in social, economic, cultural, spiritual and civic affairs.

Active Aging: What is the WHO dictum?
WHO dictum “years have been added to life now we must add life to years.”
What was commonly done in the past when unemployment was high that affected older adults?
what has experience shown about this?

When unemployment was high, there was often a tendency to reduce the number of older workers as a way to create jobs for younger people.
However, experience has shown the use of early retirement to free up new jobs for the unemployed has not been an effective solution
Employment trends: What has been the overall trend of employed aging population over the last century?
●Steady decline in employed aging population over last century

how did employment change for men age 65 in the late 1800s to 1990?
Men over age 65 employed dropped from 75% in late 1800s to 16% in 1990
Employment Trends: Which trend changed for both men and women at the end of the 1990s?
The trend of a steady decline in employed aging population.
Instead of declining it started increasing by the end of the 1990s






