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Economic security in an aging Canadian population

Author: Robert L Brown; SEDAP Research Program.
Publisher: Hamilton, Ont. : SEDAP Research Program, McMaster University, 2011
Series: SEDAP research paper, no. 285.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
This paper has been written to bring up to date materials in a monograph that was a part of the Butterworths series of monographs in social gerontology, in particular, the 1991 monograph entitled: Economic Security in an Aging Population (Brown, 1991). The paper reports on research that indicates that today's retirees are doing very well in terms of their replacement ratios and that Canadian poverty rates among the  Read more...
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Details

Genre/Form: Electronic books
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Robert L Brown; SEDAP Research Program.
OCLC Number: 785802447
Language Note: Abstract in English and French.
Notes: "July 2011."
"JEL Classification: J18."
Description: 1 online resource (44 pages) : charts, digital file.
Contents: 1. Introduction --
2. Demographic background --
3. Income patterns of the elderly --
4. Government sponsored income security --
5. Employer-sponsored registered pension plans (RPPs) --
6. Individual savings and RRSPs --
7. Economic security aspects of health care --
8. Future funding of social security --
9. Conclusion --
Bibliography --
SEDAP research papers: recent releases.
Series Title: SEDAP research paper, no. 285.
Responsibility: Robert L. Brown.
More information:

Abstract:

This paper has been written to bring up to date materials in a monograph that was a part of the Butterworths series of monographs in social gerontology, in particular, the 1991 monograph entitled: Economic Security in an Aging Population (Brown, 1991). The paper reports on research that indicates that today's retirees are doing very well in terms of their replacement ratios and that Canadian poverty rates among the elderly are low relative to OECD (Organization for Economic Co-operation and Development) countries. Government-sponsored plans have been strengthened either through explicit expansion (e.g., the Guaranteed Income Supplement (GIS)) or through the reform of the Canada/Quebec Pension Plans (C/QPP). Also important is the maturation of Employer-sponsored pension plans. However, for the latter, coverage rates are down. This has created concern that future generations of Canadian retirees may not be able to experience the standard of living that is the reality for today's elderly. The paper concludes that the aging of the population is not the cause of the increased cost of health care and social security today. Even by 2031, when the entire baby boom will be aged 65+, the impact of population aging on costs will be manageable. The paper also discusses the affordability of these systems if the normal age at retirement were to rise.

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