The not-so-golden years

Thousands of Scots face decades of poverty in retirement.

More than four out of ten questioned by Scottish Widows admitted they hadn't considered how they would survive when they gave up work. Almost as many optimistically said they would look to their children for financial support, while one in seven expected the state to cover their costs.

According to Aviva, 50 to 65 year olds underestimate the length of their retirement by up to eight years. Women put the average lifespan for a reasonably healthy person at 84 years, while men say it is 80, but they could well live to 89 and 88 respectively.

A survey by HSBC found that despite almost six out of ten UK workers worrying they won't have enough to retire on, the economic downturn has prompted more than four out of ten to cut their pension savings or stop altogether. Just over half of those taking part in the HSBC survey said they simply couldn't afford to save enough and a third said paying off debts was preventing them.

According to Prudential, a fifth of those planning to retire this year still have debts averaging just under £22,000, which will further diminish their standard of living.

No one should expect to live well on a state pension alone, the amount people get will still be meagre. Even with a complete NI record - which has been set at 35 years - the maximum individual pension is expected to be around £150 a week, or £7,800 a year.

http://www.heraldscotland.com/business/personal-finance/pensioner-poverty-in-prospect-unless-scots-start-saving.117293308

The old and the lonely

10,000 over-75s in Scotland will spend Christmas Day alone because their children are too busy to visit them, a new report claimed today. Across the UK, the survey found a total of 363,176 older people had children too busy to see them. The study by the older people’s charity WRVS said many elderly people were left isolated and lonely because their families had moved away, often to find work. But almost two-thirds of older people said they would not tell their children they were lonely because they did not want to “bother them”. In the Lothians, around 1700 over-75s will be on their own on Christmas Day.

Earlier research from the WRVS showed 27 per cent of Scots over-75s feel lonely – more than in any other part of the UK. 11 per cent of older people in Scotland lived at least one hour’s drive away from their nearest child, which meant almost half were visited just once every two to six months. The survey found lack of job security and changes in the labour market had increased the pressure on families, with 82 per cent of children who moved away from their older parents having done so for work reasons. Margaret Paterson, head of operations for WRVS Scotland, said: “Many children have no choice but to move away from their older parents, and really regret the fact they aren’t close enough for more regular visits.”

Only 28 per cent of older people in Scotland spoke to their children on the phone every day, compared with 40 per cent across the UK. Most older people did not use Skype to talk to their children, many because they did not know how BUT OF those who do 85 per cent said it helped them feel more connected. The regularity of Skype in Scotland is that 75 per cent of those who use Skype do so weekly,

A separate report warned lonely people are twice as likely to develop Alzheimer’s. Researchers found it was not so much the fact of living alone as feelings of loneliness which increased the risk of having the degenerative brain disease.

Meanwhile average train fares have increased by more than 26 per cent since the start of the recession, almost three times faster than wages, new research revealed today, making even harder for families to visit. Fare rises will outpace wages and inflation again in 2013, with the cost of some fares set to soar by ten per cent, while pay is forecast to rise by an average of 2.5 per cent.

The other drug problem

A study found almost half of elderly people may be kept on sedatives that make them “easier and more convenient to manage” for much longer than necessary. Research has shown people with dementia who take these drugs are at a much higher risk of stroke.

The report by Dundee University and NHS Fife, carried out over a two-year ­period in Tayside, found two in five elderly people in care homes were taking the drugs – compared to just one in six who still lived in their homes in the ­community. It also found that seven in ten people who were taking the drugs when they went into the care homes were then never reassessed to see if they still needed them.

Dr Colin McCowan, deputy director of the Health Informatics Centre at Dundee University, and one of the authors of the report, said: “Some elderly people are taking these drugs to make it easier and more convenient for people to manage them and for them to cope. Often this could start when they are living at home, on their own, and when they are waiting to go into residential care. But then, when they go into care many are kept on them and remain on them. No-one checks to see if they still need them. Some of these individuals and their families will know about them taking them, but there is evidence some won’t." He said the use of the drugs, known as psychotropic medication, which includes anti-psychotics, was a growing concern to health officials. Dr McCowan said guidelines for the use of the medication stated they should not be used, in most cases, for more than six months. He also said previous research had shown many of the anti-psychotics being prescribed to patients were likely to be having “very little beneficial effect” and could usually be gradually stopped without side effects.

Dr Donald Lyons, chief executive officer of  Mental Welfare Commission for Scotland – an independent body set up to safeguard the interests of people considered to be mentally disordered, said: “Anti-psychotic drugs are unquestionably being overused, more so in care homes but also, to a lesser extent in hospitals. The bottom line is more needs to be done to reduce the number of these drugs being prescribed. The rates are too high...At the end of the day, patients should only ever get any drug if it is for the benefit of their health, not for any other reason, not least to keep them more manageable."
The commission said providing more adequate outside space and stimulating environments were some of the ways to help people cope. Dr Lyons added: “Yes, this costs money, money to pay for the right environment and additional care but surely that is money well spent in the long run."

Old and in the way?

160,000 pensioners in Scotland are living in relative poverty – with an income of less than 60 per cent of the national average. Prices for pensioners have risen 20 per cent since the beginning of the financial crisis. By contrast, inflation for UK households as a whole prices have risen 16 per cent. An older person living alone is said to have experienced a 26.5 per cent increase in the cost of the things they buy since 2007 when the current financial crisis began.

 Today’s pensioners are experiencing real hardship, with nearly half living on an income below £10,000 a year. Those with private pensions have experienced a worrying drop in the value of their pension because of low interest rates, which are being held down by the Bank of England’s policy of quantitive easing.
Age Concern Scotland said: “For older people who are living on a low, fixed income, life can be tough, with basic living costs such as food and energy still high and April’s pension increase barely keeping up with inflation. Fuel poverty remains Scotland’s national disgrace, with almost two thirds of single pensioner households ‘fuel poor.’ " 

 Ros Altmann, director-general of over-fifties experts SAGA, says: “It almost seems as though policy is designed to take money from older people and give money to younger people. The government needs to acknowledge the difficulties that exist today and to try to ensure that today’s older people have a better quality of life.”

Old, Sick and Broke

A person born today will be forced to work until they are 77 years old before they become eligible for a state pension, according to a new report. The report, by the world’s largest accountancy firm PwC, also states that people in their late 30s today can expect to work until they are 70 before they can claim their state pension. The prospect of 70 and 80-year-olds in the workforce will soon become a reality, according to Professor Cary Cooper, professor of organisational psychology and health at Lancaster University Management School.

Alison Fleming, head of pensions at PwC in Scotland, said: “The era of retiring in your 60s is facing extinction with many people born today facing a future of work from 17 through to 77."

Age Scotland said that poorer people live shorter lives and so will have to sacrifice a larger portion of their retirement under the new plans.

Lindsay Scott, a spokesman for Age Scotland, said “Do not rely on the government to make provisions for your old age as you will be exceedingly disappointed...We face physical and mental decline, a loss of cognitive ability and if you are getting into a situation where you need treatment for your physical ailments and for your mental health, and you have no money, then you are in dire straits, because not only are pensions taking a beating, look what is happening to the NHS. I can think of nothing worse for your old age as to be old, sick and broke.”

Drugging our old folk

Elderly patients in care homes across Scotland are being prescribed powerful drugs for long periods of time without proper checks on whether the medication is needed. In some cases, frail patients are being kept on multiple and potentially harmful doses for up to two decades without doctors or staff questioning whether they are necessary. Patients are often kept on a mix of drugs for health problems that may have resolved over time.

The Royal Pharmaceutical Society in Scotland (RPSS) in a report calls for more powers for pharmacists to review patients’ medical records. Pharmacists say they are becoming “increasingly concerned” about patients’ safety.

 Drugs regularly handed out to elderly patients include anti-psychotic medicines for dementia. These are classed as high-risk because of their links to heart problems and strokes, yet some patients remain on these far longer than is required. Other drugs could be causing drowsiness and dizziness, leading to falls and loss of appetite.

 Henry Simmons, chief executive of Alzheimer Scotland, said: “The dangers of inappropriate or long-term prescribing without regular review are clear: an increase in falls due to dizziness and unsteadiness, an almost doubling of mortality rates and double the risk of stroke in people with dementia.”

work til you drop

Someone born today may have to work until they are 80, a leading insurer has warned.

John Lawson, head of pension policy at Standard Life, said a child born this year may have to work through their seventies.

The old neglected again

Older patients are “not safe” on hospital wards in Scotland because of a lack of qualified nurses to care for them according to Royal College of Nursing (RCN) findings. The report suggests there is just one nurse caring for nearly ten patients on old people’s wards. A survey of almost 1,700 nurses found that 78 per cent said comforting and talking to patients was not done or done inadequately on their last shift because of low staff numbers. Some 59 per cent said promoting mobility and self-care was left undone or unfinished, with 34 per cent saying they could not provide patients with food and drink, and 33 per cent claiming they were unable to fully help patients to the toilet or manage incontinence.

The RCN warned there was a danger that “care becomes compromised” and said that many nurses say “they are too busy to provide the standard of care they would like”. The report said: “Older people in Scotland are being let down by a lack of professionally qualified nurses in hospitals, despite nationally agreed planning for the nursing workforce. Despite older people often having the most complex needs, the evidence suggests that they regularly suffer from a severe shortage of nurses and healthcare support workers (HCSWs), coupled with an inappropriate skill mix of HCSWs to nurses."
The RCN called for a “patient guarantee” to set out the number of nurses needed on older people’s wards.

It emerged the number of nurses in Scotland’s hospitals plummeted by thousands in just over two years, with further nursing posts lost during the last few months of 2011. The RCN said the number of nursing and midwifery staff employed in Scotland had fallen by 2,190 between September 2009 and the end of 2011.

According to the RCN Scotland director, Theresa Fyffe, the number of nurses employed was at a six-year low. She said: “As health boards come under increasing financial pressure to deliver the same services to more and more people, they are saving money when nurses leave by not replacing them or by replacing them with nurses and healthcare support workers at lower-paid bands."

The charity Age Scotland demanded dramatic improvements to care services in the community, to keep older people “safe and out of hospital”.

It's poor sick old people paying for the bankers

New York City's Department for the Ageing, which runs more than 300 community centres for ageing residents and provides services such as food delivery to the homebound, affordable housing and heating subsidies, has cut its 2009 budget by $4 million and faces another proposed cut, of $9.5 million, in 2010. New York state also is proposing cuts in health care and services for the elderly as part of a drive to close a $13 billion 2009 budget gap. Among the proposals is a cut in the state contribution to the Federal Supplemental Security Income, or SSI, for elderly, blind or disabled people with little or no other income.

"We are outraged that the government, which has spent hundreds of billions of dollars to bail out financial institutions -- and they in turn have given $18 billion as bonuses to their top executives -- has no funds to support vital services for their senior citizens," said New York City head of the State Wide Senior Action Council. " We are of a generation that fought in the sixties," she said. "We're out there doing it again."

City figures show that in 2006, one-fifth of New Yorkers age 65 and older lived in poverty, twice the national average. Advocacy groups say by now it is closer to one-third, and New York is second only to Detroit among major U.S. cities in its rate of poverty among the elderly. Minorities tend to fare worst, with 30 percent of Hispanic, 29 percent of Asian and 20 percent of elderly blacks in poverty compared with 13 percent of elderly whites in New York City.

Old and out of the way

Just how society treats our elderly is becoming cruelly more and more apparent . We had this report , a 108 year old woman having to wait a year and half for a hearing aid to improve the quality of her short remaining life and now we read about this care home evicting an 103 year old woman because she is requiring too much care , or so they say , in a squabble over how much she has to pay for the nursing care . Abbeymoor's owner, Mark Sutters, told the Nottingham Evening Post that the home could not continue to "subsidise" Mrs Collins's care.

Local authority and care services minister Ivan Lewis said " I am deeply concerned at the attempt by the home owner to use Mrs Collins as a pawn in a funding dispute. Whatever the difficulties, such treatment of a 103-year-old cannot be tolerated in a modern care system which has dignity and respect for older people at its heart."

Esme Collins was told to leave after 10 years at Abbeymoor nursing home in Worksop, because its owners refused to back down in a dispute over funding her care.

Age Concern has campaigned for the closing of a legal loophole that left the pensioner without the protection of human rights legislation.
"Forcing an older person to leave their care home can have a devastating impact on their physical and emotional health. We urge the government to act quickly to give the protection of the Human Rights Act to people living in private care homes to help prevent such situations."

Socialist Courier fully sympathises with such sentiments but to be perfectly blunt , it is just one very small example of the heartless nature of a society where everything has a price , even life and everything is valued in prices , even people . Events such as this will not stop until capitalism is superceded by a truly caring , sharing society such as Socialism