Download The economics of aging by James H. Schulz PDF
By James H. Schulz
Nonetheless the definitive booklet at the topic, this quantity has been completely revised to hide speedily altering points of the economics of getting older. It offers an in-depth exam of the nation's evolving deepest and public regulations on retirement, pension, and overall healthiness, together with, for example, the dramatic alterations in employer-sponsored pensions. New consciousness is given to the retirement of child boomers and the monetary scenario of older girls. different issues further to this version contain the proposed new manner of measuring poverty, new monetary implications of demographic getting older, the concept that of `productive aging', an replace on opposite annuity mortgages, hybrid pension plans and pension privatization, and present details on Social defense. This hugely readable e-book is key for everybody fascinated about gerontology.
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Extra resources for The economics of aging
Example text
We must also remember, however, that this finding does not mean all or most of the elderly are well-off. As we have already shown, there are still quite a few elderly people (and people at other ages) who are economically disadvantaged. The studies summarized above (and others) do not refute that fact. Rather they show that the aged as a group are notâ as in years pastâ an exceptionally or uniquely disadvantaged group. These studies also caution us in our use of the poverty index. We can use poverty index statistics as an indicator of changes in the economic status of the low-income population.
There are five principal ways older people can be affected adversely by inflation: If net creditors, assets that do not adjust in value for inflation will depreciate in value, reducing the net worth of the individual or family. Â Â adjustments in these various income sources may lag behind inflation, reducing real income. Â Â If employed, adjustments in earnings levels may lag behind inflation, reducing real wages. Â Â specified in the laws are defined in money rather than real terms. Â Â elderly personsâ budgets, the older age group may be differentially affectedâ especially if indices used to measure and adjust various sources of income do not correctly reflect aged buying patterns.
BLack of any health insurance subsidy beyond Medicare. cSufficient assets are not available to cover the cost of a median (two-year) nursing home stay. dUnsubsidized renters and homeowners who have below $36,000 in net equity and are already paying more than 33 percent of income for housing. ePeople needing help getting in or out of bed, getting meals or doing housework, and/or needing assistance with personal needs (such as eating or dressing). Source: Based on data in K. C. Holden and T. M. Smeeding, â The Poor, the Rich, and the Insecure Elderly Caught in Between,â Milbank Quarterly 68(2) (1990): Table 10.