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Americans' health deteriorating under Obamacare as life expectancies plunge


Americans
(NaturalNews) For many years, the assumption has been that the United States leads the world as an advanced civilization, dominating in categories like education, quality of life, and life expectancy. But a new study released this year by the Society of Actuaries (SOA) paints a much different picture, suggesting that Americans are less healthy and will more than likely live much shorter lives compared to those in previous generations.

The 36-page report reveals that the average 65-year-old American man today will most likely die just short of his 86th birthday, while the average 65-year-old American woman only has about two years longer until she dies, on average, around age 88. This might not sound like anything out of the ordinary, except that these figures are actually down compared to last year's report using the same criteria.

Over the past several years, the report explains, American health has taken a major downturn. Life expectancy amongst 65-year-olds is down by about six months, on average. It's also down for younger Americans, who are likewise expected to live about six months less than in previous generations. In nearly every generational category, including "Baby Boomers," "Generation X," and "Millennials," life expectancy is down, and will likely continue to go down.

This is especially the case among middle-aged, non-Hispanic whites, who a recent study by Princeton University found are increasingly succumbing to the detrimental effects of bad habits like alcohol and drug abuse, unhealthy diet, and lack of exercise. This report also highlights increasing rates of suicide within younger populations, a sad state of affairs that says even more about the current state of our society.

Mortality rates are still rising, the data suggests, but at an increasingly lower rate. And if things continue on the current trajectory, eventually overall life expectancy will be on the downturn – that is, unless the factors contributing to this decline are addressed and brought to bear. If they aren't, the average American life will likely continue to decline into the future.

Pension payers, insurance companies see dollar signs as people die earlier

While the study's findings have many applications in terms of social science research, the one area where they're making the biggest ripples involves employee pensions. By looking at this new life expectancy data through the lens of post-retirement disbursements, employers can determine whether or not their liabilities will increase or decrease – and based on the most current data, it appears that a decrease is on the way.

"The updated scale provides the latest information to help accurately measure pension obligations," says Dale Hall, managing director of research at the SOA. "However, it is up to pension plan sponsors, working with their plan actuaries, to determine how to incorporate emerging mortality improvement data into their plan valuations."

With the growing popularity of 401k accounts as opposed to pensions, the new data can also help employees who handle their own retirement affairs better ascertain how much they need to make, and how much they need to save, to live comfortably until their deaths. All of this information makes a difference when determining the price of annuities and insurance contracts whereby insurance companies are obligated to pay out until the time a person dies.

Year-over-year changes in mortality are very volatile," Hall adds, noting that something as simple as a bad flu season can disrupt the death rate averages.

At the same time, some experts claim that longevity rates in the long-term are still on an upward trajectory, and that soon-to-be retirees and younger folks alike need to take into account the fact that they could live much longer than the latest figures suggest, and to plan accordingly.

Sources:

Bloomberg.com

AmericanBazaarOnline.com

SOA.org
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