Canadian's Aging Population Essay

2020 words - 8 pages

There is diversity among all Canadian, hence there is differences among the aging population. Not all seniors are aging well and have the appropriate programs and services to meet their needs. Some seniors are victims of abuse and some are living in isolation and poverty. Some seniors suffer from chronic illness and other socio-economic factors limit the amount of money they can put away for retirement. Hence these middle and low income elderly retirees will have to depend mainly on the pension plan that is offered between the age of 60- 65. The age of 60-65 is regarded in Canada as the age of retirement. This paper will focus mainly on the disadvantaged older populations. The disadvantaged older populations are those who are currently struggling financially, have or will suffer from a mental or physical impairment that which limit their ability to work and contribute much to the pension plan or personal savings for retirement. “Disadvantaged seniors are more likely to suffer from physical and mental impairment, approximately 9 percent of those between the age of 65 and 69 will require personal assistance for daily activities because of their limitation; at the age of 85 and over, about 50 percent require assistance”(Sue, D & Sue W, 2008). Most disadvantages retires will rely on the pension system to meet their day to day needs and to pay for personal assistance care.
After the First World War there were a growing number of fatherless families within Canada which left the family unit vulnerable. The federal government established a variety of charities to aid Canadian soldiers overseas and to provide relief to soldiers’ families. Gradually, income security was introduced to Canada. “McGilly (as cited in Chappell, 2006) stated that during the early twentieth century, many Canadian expressed concerns about the ability of the elderly to care and provide for themself and the ability of poor families to sustain their aging parent. These concerns were reinforced by the fact that many elderly Canadians were applying for public relief.” However, it was not until several provinces began complaining about the amounting cost of relief that lead to the federal old age pension scheme. “Guest (as sited in Chappell, 2006) the federal government made a commitment to assist the elderly and the old age pensions act was established in 1927.” All Canadians were entitled once they reach the age of seventy or older in contrast to today, one can retire at the age of 60-65. The Canadian government eventually shared the cost of relief with the provincial government. The old age pension act has been criticized because of the inadequate in benefit pay outs. According to Guest (as sited in Chappell, 2006) in 1951, the old age pension was replaced by two pension plans, Old Age Security and Old Age Assistance.” The Old Age Security provides universal benefits and was funded by the federal government while the Old Age Assistance was funded by the federal and provincial...

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