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Showing posts with label the future for the elderly. Show all posts
Showing posts with label the future for the elderly. Show all posts

Friday, June 5, 2015

The unimagined life of the actuarian

How long do these blooms last?
How fast can I walk with cheap shoes?
How far will my money last?
What are my chances of getting cancer?

These and other questions do have answers, based on statistical analysis, a gathering of raw data supporting a longitudinal study or a species factor status...We do have experts who know what numbers to gather to provide the proper guidance for the rest of us.

Or do we?

My biggest surprises in old age were never on any radar, mine or my Hubby's. I thought we had the world figured out by our sixties. Expenses get reduced after children are grown; needs are diminished; wants are simple shelter,food and medicines.

How did medical needs end up costing  more per month than food?
How did communication devices end up tipping our piggy banks?
Why did we choose to live in a place that needed a sewer tax to rebuild its sewer system?

In my working years, I paid nothing for medical care. From the time I had my first child, the bill for his care and mine in and out of the hospital was the cost of that phone call home. Yes, $1.50 to call out of zone. Today, I might not even use the hospital phone, since my $ 150 monthly cell allows me unlimited local calls, coming and going. I didn't even have a cell phone until early 2000, and then, I only used it for emergency. But even with full insurance and Medicare coverage, I will be surprised by the hefty charge attached to my hospital stay.

We might imagine the future pain free, and even device free, in an all comprehensive smart environment that knows what we do, even before we do it, can identify the places and services we need when we type the first letter of a query on google search. But, can we imagine the future affordable? Reasonable? Friendly to those of us who were not born into it? Indiscriminate if we do not have a bank account with unlimited funds? Or, unlimited friends to rescue us when we are publicly shamed on some social media?

Will these blooms last longer if I avoid chemical additives?
Will a path be available if I do not have Nike's best running shoes?
Will my present income cover my future needs?
Will my cancer risks decrease with age?