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The Actuary The magazine of the Institute & Faculty of Actuaries

Pensions and health care for an ageing population

This paper will review the latest information on how Britain’s population is ageing and challenge some of the popular views about the effects of population ageing on pensions and healthcare.

How do problems arising from the 
retirement of the baby-boom generation interact with the more general issue of increasing longevity? Is longevity a risk that we should be concerned about? As we live for longer, are we doing so in better health, or are we simply 
being kept alive for longer in poor health? Are we likely to see an explosion in demand for 
long-term care, with rapidly increasing costs of social care adding to a crippling burden of pension costs? Can we realistically expect people to work for longer?