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New report studies the impact of longevity on society – EU Today

A new international report launched this week ahead of the G20 Finance Ministers and Central Bankers meeting by the International Longevity Centre UK (ILC-UK), the UKs specialist think tank on the impact of longevity on society, unveils the significant, and growing, economic impact of older workers across the G20:

The report argues that leveraging the economic contributions of older people will be instrumental in the global post-pandemic recovery, and that addressing health barriers to work for older people can unlock a significant longevity dividend.

ILC-UK analysis finds higher rates of employment among older people in countries that spend more on health as a proportion of GDP. Across countries, a 1 percentage point increase in health spending is associated with a 3 pp increase in the employment rate for people aged 55 to 64. The report argues that countries also need to address other known barriers to work for older people, such as non-inclusive workplaces, in order to maximise the potential longevity dividend.

To maximise the economic contributions of older people in the post-pandemic recovery and beyond, ILC-UK is calling on G2o Governments to deliver an Ageing Society New Deal that would see countries invest more in preventative healthcare and support work in an ageing world by:

David Sinclair, Director, ILC-UK, said,Policy makers are so fixated on the direct costs of ageing that they fail to notice the significant and growing contributions that older people make. This prevents them from fully realising the social and economic potential of older people - and from appreciating the longevity dividend.

Older peoples social and economic impact is already significant, but theres potential to increase this further. The barriers they face are in part avoidable and the most important is poor health.

Despite the tragedy and the devastation, COVID-19 has placed society in an exceptional moment to prioritise health and act on ageing. It has shown us how health and the economy are linked and has exposed the dangers of under-investing in prevention.

Lets use this shift in mind-set to raise the necessary funds today to realise a longevity dividend tomorrow.

Image: strategie.gouv.fr

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Martin Banks

Martin Banks is a highly qualified journalist with many years experience of working within the EU institutions. He is an occasional, and highly valued,contributor to EU today, writing on a wide variety of issues.

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As They Became Seniors, They Started Businesses for Them – The New York Times

Mary Anne Hardy was at a crossroads in her nursing career. A health program she had been working for ended, and, not ready to retire, she was trying to figure out her next move.

At a conference, she heard about patient advocates, who help people, particularly the elderly and their adult children, navigate the increasingly complex American health care system.

It was a light bulb, said Ms. Hardy, 65, who became certified as an advocate and began taking clients in 2013. I thought about my parents experience, and it was a motivator.

In choosing her new vocation, Ms. Hardy, who lives in Derwood, Md., thought she could help others avoid the nightmare she had faced years earlier, she said. Her mother had a stroke and then bowel surgery, followed by a cascade of infections and other preventable ailments. She was transferred from facility to facility, with little communication among medical professionals or with her.

People feel lost in the medical system, Ms. Hardy said. With her by their side, they feel they are taken seriously and listened to.

Like many older entrepreneurs, Ms. Hardy is looking to her own peers for business opportunities. They are turning their lifelong skills into encore careers selling services and products in the booming senior consumer market. In some cases, like Ms. Hardys, their own experiences become catalysts for career moves at a time when others are retiring.

Ms. Hardy is at the intersection of two long-evolving trends the rising number of later-in-life entrepreneurs and the growth in the so-called longevity market.

In 2019, roughly 25 percent of new entrepreneurs were between 55 and 64, up from 15 percent 20 years earlier, according to the Ewing Marion Kauffman Foundation, a nonprofit that promotes entrepreneurship.

And in 2015, people 50 and older spent $5.6 trillion on goods and services, outpacing spending by consumers younger than 50, according to a study prepared for AARP by Oxford Economics, a forecasting firm. Besides their higher spending on health care, older people spent more on financial services, durable goods, nondurable goods and motor vehicles. The spending is projected to rise as the 50-plus group expands by 45 percent by 2050, compared with 13 percent for the younger group, the report said.

For older would-be entrepreneurs who want to capture a piece of the aging-related market, you have to think of how you take your skills and passions and shift them to a new area, said Mary Furlong, a consultant on longevity marketing.

A writer, for example, could work with clients to create memoirs and legacy letters. A person with financial expertise could become a daily money manager, helping an older person pay bills and handle other paperwork. Move managers could use their organizational or design talents to help older people move to a smaller home.

Usually with short-term training or certification, a person could start a business delivering nonmedical services, like nutritional counseling or wellness coaching.

Midlife owners, particularly those in the health fields, may find themselves with a leg up when dealing with older clients. Several studies show that elderly people are more likely to take advice from peers on nutrition, fall prevention, and the management of diabetes and other chronic illnesses.

I think my age does work to my advantage, Ms. Hardy said. It really makes a difference to have someone helping them through the process. As a patient advocate, she helps clients prepare questions for providers, attends medical appointments with them and reviews their care options.

The key to building Sharon Emeks business was her prominence as a top insurance executive in New York. In 2010, when she was 64, Ms. Emek founded Work at Home Vintage Experts, or WAHVE, which matches insurance companies with professionals over 50 who work remotely as independent contractors.

Two big changes in the industry convinced Ms. Emek that such a venture had potential. Young workers were snubbing insurance for jobs on Wall Street. And many experienced workers who werent ready to retire wanted flexible work arrangements, perhaps moving closer to the grandchildren, she said. Female professionals were particularly worried that they would outlive their savings.

I thought about this because I was living it myself. There was no way I wanted to retire I need to be productive, Ms. Emek said. I felt I could help other people to continue to work. And companies could have access to amazing talent at a lower price.

To help build her client base, Ms. Emek tapped her extensive contacts in the insurance industry and in women-in-business groups. I had credibility from the start, she said.

She worked out an arrangement with the association representing independent brokers and agents in New York State, which agreed to promote her to its membership in return for a share of revenue when a member used her service. Today, she has arrangements with 30 state associations. She speaks regularly at conferences on industry trends, remote work and phased retirement.

Much of WAHVE is based on technology, and while Ms. Emek had enough expertise to develop the original software, she said, I knew when I reached my limit. Initially using savings, she first used an outside programmer and then hired her own specialists.

For the first two years, Ms. Emek took no salary. The company now generates $22 million in revenue and manages 530 contracts, she said. The average age of contractors is roughly 60, and about 90 percent are women.

Since the coronavirus pandemic began, she said, the firm has been getting more requests because companies dont know how to interview and hire remotely.

Services and products that cater to the homebound elderly are a good fit for older entrepreneurs, experts say. Senior concierges, for example, run errands for older people and keep them company. A person who spent a career in the building trades may consider becoming a certified aging-in-place specialist, someone who modifies homes to keep people safe.

Technologies that monitor the health and safety of older people, such as automated medication dispensers and digital hearing aids, are also finding an eager market.

Every day, I talk to someone who was an expert in the tech sector who then pivoted into the longevity market, Ms. Furlong said.

Norman Miosi decided to go the personal chef route, opening a Chefs for Seniors franchise in Nashville in January. His target customer: an elderly person who wants to remain at home but finds preparing fresh and nutritious meals too taxing.

With the over-60 population in the Nashville area projected to grow by 20 percent in the next 10 years, there will be a lot of potential out there, Mr. Miosi, 61, said.

Though he loves to cook, Mr. Miosi did not have that professional experience before he took on his second-act occupation. For most of his career, he sold software for Intuit in Buffalo. But he had a tough time finding stable employment when he and his wife, Sandy, moved to Nashville more than four years ago to be closer to their two children and their grandchildren.

Mr. Miosi decided to go into business for himself. In 2019, he responded to an advertisement seeking a Chef for Seniors franchisee.

Each week, Mr. Miosi carries ingredients and his cookware to the kitchens of eight clients in their 60s to their 90s. Wearing a white chefs jacket, he spends more than two hours preparing four meals, which last a week for two people.

Favorites are salmon, turkey chili and vegetable enchilada casserole. Mr. Miosi alters the dishes perhaps using less salt depending on a clients dietary needs. Some clients chat with him while he cooks.

Its not only the nutritious food, its the companionship, he said. This age group can be neglected.

A Facebook ad attracted Mr. Miosis first clients, including a couple of adult children seeking help for their parents. He has applied to become a trade partner with a large retirement community, which would enable him to advertise to its 1,000 households, he said.

For now, Mr. Miosi is just breaking even. He paid $7,000 for a franchise fee, and he must pay for insurance, food, freezer containers, cookware and royalty fees on sales. His goal is to have 30 to 40 clients and hire chefs to work for him. At that point, he said, he expects that his business will provide a comfortable income for the next 10 years or so.

I dont really need to retire, he said. I can run a business, and its not too taxing. And Im also doing something good for the community.

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Insilico, Taisho form AI partnership to tackle age-related diseases and mortal cells – FierceBiotech

Taisho Pharmaceutical tapped artificial intelligence drug discovery maven Insilico Medicine to identify new therapeutic compounds that could slow the cellular effects of aging, with the ultimate goal of helping people stay healthy as they grow older.

The research collaboration will begin with Insilico using its AI networks to identify therapeutic targets and find druglike molecules that target senescent cellsthat is, cells that have stopped following the cycle of division and reproduction but continue to function.

Researchers believe the accumulation of these senescent cells as we age may be linked to a variety of diseases, as well as overall physical decline later in life.

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It is believed that aging is a universal phenomenon that we cannot stop, said Jimmy Yen-Chu Lin, CEO of Insilicos Taiwan-based subsidiary. However, emerging scientific evidence has shown that one may be able to reverse some of the age-associated processes. Through this collaboration, we will adopt our AI-powered drug discovery suites together with Taishos validation platform to explore the new space of anti-aging solutions.

RELATED: Insilico Medicine taps GSK alum for a 6-month AI sprint aimed at brain cancer

The former Fierce 15 winner said it will receive an upfront payment from Taisho as well as potential future milestone payments, though the amounts were not disclosed.

Insilico will be responsible for early target identification, aimed atthe rolesenescence plays in specific cells, tissues and diseases, with different proteins implicated for each. Its AI will design molecules to tackle those targets, thenTokyo-based Taisho will step in to validate the computer-generated compounds through in vitro and in vivo testing.

RELATED: Treating age-related diseases with a CAR-T that targets 'senescent' cells

Insilico has long had a focus on aging. The company has worked to develop what it calls deep aging clocks, a set of biomarkers identified by neural networks that allow for a more refined picture of a persons cellular age, compared to the simple number of their trips around the sun.

Some of this research helped form its spinout Deep Longevity, unveiled by Insilico this past summer. However, just weeks out of stealth mode, the new company was snapped up by Hong Kong-based investment firm Regent Pacific, which has maintained its own interests in aging research.

Meanwhile, earlier this year Taisho issued (PDF) a worldwide license for its inhibitor of hypoxia-inducible factor prolyl hydroxylase, or HIF-PH, to BioAge Labs. The phase 1 compound, known as TS-143 and BGE-117, is aimed at multiple age-related diseases, with the HIF pathway linked to longevity and overall health.

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Social Security, Medicare guidance needed – The Times 24-7 – The Times

Saturday, October 17, 2020 4:00 AM

Dear Perplexed:Okay, lets look at your Social Security and your Medicare separately, because theyre two totally independent programs.You do not need to do anything about Social Security until you are ready to start collecting your benefits. Since you have already reached your full retirement age (FRA) of 66, you are now earning Delayed Retirement Credits (DRCs) at the rate of .667% per month. That means that your benefit in October, if you were to claim it then, would be 8% more than it would have been at age 66. If you continue to delay applying for SS benefits, you will continue to earn those DRCs up to age 70, when your benefit amount would be 32% more than it would have been at your FRA. The choice of when to claim your Social Security is yours to make, considering your need for the money, your health, and your expected longevity. The longer you wait (up to 70) the more your benefit will be, and if you expect at least average longevity (about 84 for a man your current age) then youll get both a higher benefit amount and more in cumulative lifetime benefits by waiting to claim your Social Security.As for Medicare, if you are now covered by your employers creditable healthcare plan, you can delay enrolling in Medicare until your current employer coverage ends (when you stop working). Creditable is a group plan with more than 20 participants. If you now have creditable employer healthcare coverage (including drug coverage) you wont be liable for a Late Enrollment Penalty for enrolling in Medicare (or a drug plan) later. If you are still working and know your creditable employer coverage will end soon, you can enroll for Medicare benefits to start coincident with the end of your employer coverage. Or, after you stop working, you can enroll in Medicare during a Special Enrollment Period (or SEP for those transitioning from employer coverage to Medicare coverage). Your SEP for Medicare will last for 8 months after you stop working, but you only have 63 days after the end of your employer drug coverage to enroll in a Part D prescription drug plan.The bottom line is this you dont need to enroll in Medicare until your creditable employer healthcare coverage ends. And you dont need to apply for Social Security until you wish to start receiving benefits (just dont wait beyond 70).One final point because you were born in 1953: if you are now married and your wife is already collecting her SS, you can file a restricted application for spouse benefits only and collect only a spouse benefit from your wife, while still allowing your own benefit to continue to grow until you are 70. But this option is only available to you because you were born before January 2, 1954.

This article is intended for information purposes only and does not represent legal or financial guidance. It presents the opinions and interpretations of the AMAC Foundations staff, trained and accredited by the National Social Security Association (NSSA). NSSA and the AMAC Foundation and its staff are not affiliated with or endorsed by the Social Security Administration or any other governmental entity. To submit a question, visit our website (amacfoundation.org/programs/social-security-advisory) or email us atssadvisor@amacfoundation.org

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102-year-old Choiseul woman attributes longevity to doing good things – Loop News St. Lucia

Elfrida Marie Thomas of Fiette, Choiseul is still enjoying life at102-years-old.

Born on August 1, 1918, the centenarian still has all her senses intact and can walk without a stick.

Speaking with Loop News, Thomas, who lives with her grandson and son-in-lawsince the death of her only child, attributes her longevity to doing good things.

She advises young people to do likewise.

Elfrida can still get around without a stick

Always do good things, that is what Jesus asks for, she said, pausing occasionally to praise the Almighty and sing a few lines of a hymn.

Thomas, who spent her younger days doing farming with her husband, said her favorite food is ground provisions such as dasheen and potatoes.

Her grandson, Ron Henry, said the family is happy that his grandmother is able to live so long.

Few people are blessed to live so long, he said.

According to Henry, his grandmother always used totell the family about the things she did in her younger days.

She used to give us stories about when she used to go to cultural events, such as La Rose and La Marguerite flower festivals, he said.

Henry described his grandmother as a very jovial person who had played a very active role in the Catholic church in Choiseul.

At her age she is doing well, she can dance for you, Henry said.

Her son-in-law, Sylvester Henry, said she is enjoying life and has not complained of any serious health issues, apart from occasional slight pain in her abdomen.

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The first death from a coronavirus reinfection has been reported in the Netherlands | TheHill – The Hill

The first known death from a coronavirus reinfection has been reported in the Netherlands.

A paper accepted for publication in the journal Clinical Infectious Diseases details the death of an 89-year-old Dutch woman who has become the first known person to die after contracting COVID-19 twice.

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Researchers from Maastricht University Medical Center in the Netherlands said the woman also suffered from a rare type of bone marrow cancer called Waldenstrm's macroglobulinemia, a rare type of white blood cell cancer that compromised her immune system.

The unidentified woman was initially admitted into a hospital earlier this year with a severe cough and fever and tested positive for COVID-19. She was discharged five days later when besides some persisting fatigue her symptoms subsided completely, according to the research.

But 59 days later, she developed fever and a cough and had difficulty breathing before testing positive a second time. Two tests for coronavirus antibodies both came back negative.

The second diagnosis came just two days after the womans latest round of chemotherapy to treat her cancer.

At day 8, the condition of the patient deteriorated. She died two weeks later, the study states.

Researchers said that the woman had not been tested in between her two positive diagnoses, but noted the genetic makeup of the two viruses differed.

It is likely that the second episode was a reinfection rather than prolonged shedding, the study said.

The research comes as a 25-year-old Nevada man has been confirmed to be the first case of reinfection in North America. Researchers determined the patient was in fact infected on two separate occasions after finding significant genetic differences between the viruses responsible for each infection.

Like the elderly Dutch woman, the man experienced a more severe case of COVID-19 the second time around, but he was able to fully recover.

There have been at least 23 confirmed cases of reinfection worldwide. The instances of reinfection raise questions about how long people are protected from the virus after their initial infection.

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