Perspectives to Count On
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1 Aging in British Columbia Perspectives to Count On 2016 John Wright. All rights reserved. Contains Proprietary information and insights may not be disclosed or reproduced without the prior written consent of the presenter.
2 Oh O CANADA, EH? Province/Region most likely to say that if Marijuana were Legal Today they would Definitely Use It: Manitoba (17%!)
3 Oh O CANADA, EH? Province/Region most likely to say De-criminalization of Marijuana will Create more Lazy, Checked Out Youth: British Columbia (65%!)
4 Oh O CANADA, EH? Province/Region most likely to Believe that Extraterrestrial Beings Have Visited Earth: Atlantic Canada (55%!)
5 Oh O CANADA, EH? Province/Region most Important in Knowing Your Neighbors: Atlantic Canada (84%!)
6 Oh O CANADA, EH? Province/Region who Rarely Hold their Tongue? Ontario (26%!)
7 Oh O CANADA, EH? Province/Region most likely to Say if they Could Live Somewhere Else they Would: Ontario (41%!)
8 Oh O CANADA, EH? Province/Region least Satisfied with their Love Life: Quebec (61%!)
9 Oh O CANADA, EH? Average Age When Canadians Think You re Old : 70.3
10 Oh O CANADA, EH? Average Age When Canadians Aged Think You re Old : 58.5
11 Oh O CANADA, EH? Province/Region most likely to Support Doctor Assisted Suicide for a Person who Wants to Stop Spending their Money in Order to Leave their Family an Inheritance: Alberta (29%!)
12 Oh O CANADA, EH? Province/Region Most likely to Have Experienced One or more Concussions? Alberta (14%!)
13 And Canada s favorite donut? Boston Cream (18%)
14
15 Canada at 2016
16 Historical Age Pyramid for Canada MALE FEMALE
17 Average Lifespan of Canadians 1920 s 57 Now
18 Number of Canadians aged 100+? 7,900 By 2061 this will climb to 78,300 the size of Victoria, B.C.
19 OH O CANADA, EH? Ratio of Centenarian Women to Men? 5:1
20 Canada's Generations Pre-Baby Boom > % Baby Boom % Gen X % Millennials % Gen Z Today 22%
21 The Canadian Fertility Rate Drop (Average number of children a woman aged 15 to 49 would have in her lifetime)
22 BIRTH RATE PER 100 for the UNITED STATES FRANCE UNITED KINGDOM RUSSIA CANADA GERMANY JAPAN RUSSIA
23 Cohort of 0-14 Year Old's as a % of Canadian Population: A Declining Pool % 20.7% 18.3% 16.1% 15.8% 14.6%
24 Working Age Canada We Have A Growing Greying Population
25 Working Age and Dependency for Canada
26 Projected Professional Available Jobs Logging and Forestry Supervisors Mining, Oil and Gas Supervisors Health, Education, Social & Community Services Supervisors Physicians, Dentists & Veterinarians Nurse Supervisors, Registered Nurses Shortage: 3,989 Shortage: 7,414 Shortage: 10,097 = 1,000 Workers Shortage: 13,914 By 2020 Canada will be short 1,000,000 skilled trade jobs too Shortage: 30,942 Figures calculated by subtracting projected available job seekers from projected available jobs over the period from 2011 to 2020
27
28 Annual Number of Immigrants to Canada (thousands) Immigration
29 Top 10 Countries of Birth for Immigrants to Canada 1970 NOW U.K. 26,497 China 34,126 U.S. 24,424 India 33,085 West Indies 12,456 Philippines 29,539 Italy 8,533 Pakistan 12,602 Portugal 7,902 Iran 11,291 Greece 6,327 USA 8,495 Yugoslavia 5,672 UK 5,826 India 5,670 France 5,624 China 5,377 Iraq 5,946 France 4,410 Korea 4,509
30 Types of Immigrants to Canada Economic Immigrants Dominate
31 Seven in 10 Canadians Live in a Census Metropolitan Area (CMA) 91% of Immigrants
32 Oh O CANADA, EH? Percentage of Canadians Who are Christians: 69%
33 Oh O CANADA, EH? Percentage of Canadians Who are Muslim: 2%
34
35 Oh O CANADA, EH? Percentage of Canadians who think Old Age is Scary : 56%
36 Oh O CANADA, EH? How Many Canadians 65+ Say They Would Like to Live to be 110 Years Old: 6.5% 8% Men 5% Women
37 Canadian Historical and Projected Population 65+ 8% % 2061
38 Canada s Aging Seniors We Have A Growing Greying Population
39 Population Percentage 65+ by Region 2011 to Projected 2036 Canada NL PEI NS NB QC ON MB SK AB BC YT NT % 16% 16% 17% 16% 16% 14% 14% 15% 9% 15% 9% 6% 24% 31% 27% 29% 29% 25% 23% 21% 23% 21% 24% 20% 20%
40 Projected Age Distribution in British Columbia
41 Components of British Columbia Population Change
42
43 Looking Back over the Last 5 Years, do You Think Healthcare Services are Better or Worse in Your Community? Nationally: 44% Better British Columbia: 38% Better Worst in the Country
44 Access to Services: Good (A/B) National British Columbia 2 nd Worst Worst Worst 57% 66% 58% 53% 49% 46% 2 nd Worst 50% 45% Worst 48% 41% Worst 36% 45% 2 nd Worst 33% 36% Family Dr. in Your Wellness & Community Preventative Care Seniors Health Care Services Hospice/Hospital Palliative Care Home Health Care Services Community Mental Healthcare Services Palliative Care in Home
45 Going all in and Planning for Family Senior Health Needs National British Columbia My family is making plans such as saving money, buying insurance, moving closer to aging family members, etc. to deal with senior health issues because we are not confident that the healthcare system will adequately meet our needs 39% 40%
46 My family is not in a good position (financially or otherwise) to care for older family members if they need long-term healthcare and it worries me greatly Age % 35% 63% Age % 46% 72% British Columbia 33% 35% 67% Nationally 25% 33% 63% 0% 10% 20% 30% 40% 50% 60% 70% 80% strongly agree somewhat agree
47 Impact of Aging on Health Care Costs Annual Growth Rate Attributable to Changing Age Composition of the Canadian Population
48 Priorities for Next Healthcare Accord Negotiations (2017) National British Columbia 55% 48% 54% 46% 46% 43% 43% 42% 41% 36% Mental Health Services Prescription Drugs Palliative Care Home Care Caregiver Support
49
50 Non Retirees: Excluding Money and Health, What do You Think Will make Retirement meaningful and Vital? National British Columbia 59% 62% 67% 61% 45% 37% 41% 41% 23% 26% 21% 19% 19% 15% 17% 14% Quality Time With Family Travel Rest & Relaxation Participating Socializing in Leisure with Friends Activities A Rich Spiritual Life Part-Time Paid Work Volunteering
51 Non Retirees & Money for Retirement National British Columbia I expect to live comfortably but not have money for extras 48% 39% I'm worried about my money lasting my lifetime 36% 31% I expect that making ends meet will be a struggle 28% 39% I expect to have enough money to do everything I want 24% 29%
52 Biggest Money Worries Canadians Have About their Retirement: General Aged 65+ Having enough savings Maintaining my standard of living Outliving my savings The cost of healthcare Inflation and the effect it might have on my retirement finances Pacing my withdrawals from saving so my money will last 44% 34% 37% 38% 33% 26% 25% 33% 25% 35% 19% 21%
53 When Retirees Retired and How National British Columbia Retired earlier due at least partly to circumstances outside my control 48% 50% I retired when and as planned 46% 44% Retired later due at least partly to circumstances outside my control 6% 5%
54 Retirees Main Sources of Retirement Income National British Columbia Government Pension (Old Age Pension) Work pension Retirement savings (RRSP's, etc.) Investments Downsizing/selling assets Inheritance Support from children/family Other 13% 15% 6% 9% 3% 3% 1% 0% 7% 9% 30% 27% 57% 64% 53% 51%
55 Comparing Worries over Money for Retirement BC Retirees BC Non-Retired I'm worried about my money lasting my lifetime 40% 74%
56 A National Segmentation of Retirees Comfortable 24% Enthusiasts 29% Unhealthy 21% Strugglers 26%
57 The British Columbia Retiree Segmentation Comfortable 19% Enthusiasts 35% Unhealthy 20% Strugglers 26%
58 The Enthusiasts: 35% (29% nationally) +6 Comfortable 19% Unhealthy 20% Strugglers 26% Enthusiasts 35% Demographic: older, more educated, higher income Anatomy: retired as planned, plenty of money from work pension and investments, not at all worried about money Health: good, not holding them back Regrets: none, really Attitude: happy on all fronts, enjoying hobbies, socializing and relaxing One in seven (16%) under 55 years of age four in 10: $100,000 +
59 The Comfortable: 19% (24% nationally) -5 Demographic: more women Comfortable 19% Unhealthy 20% Strugglers 26% Enthusiasts 35% Anatomy: a bit better off but worried about money Health: not holding them back Regrets: some, especially travel Attitude: quite content but miss work or a better volunteer role
60 The Strugglers: 26% (26% nationally) -0- Demographic: more men, slightly younger, lower education, lower income Anatomy: retired earlier, struggling financially, Comfortable 19% Unhealthy 20% Strugglers 26% Enthusiasts 35% Government pension, downsizing, requiring family support, especially worried about money Health: split 50/50 Regrets: lots, of many kinds Attitude: feel lots of discontent, board, lacking meaning, not getting the most out of family or community, miss work
61 The Unhealthy: 20% (21% nationally) -1 Demographic: more men, slightly younger Anatomy: retired a bit earlier, not really Unhealthy 20% Comfortable 19% Strugglers 26% Enthusiasts 35% worried about money Health: holding them back Regrets: some Attitude: quite content, except held back by health concerns
62 Oh O CANADA, EH? Those Aged 65+ Who Think Life So Far has Turned Out Better than they Expected: 73%
63 Having The Talk 44% (47% in BC) Have Discussed an Advanced Care Plan With Their Spouse or Other Close Family Members +8 (36%) in % (16% in BC) Have Discussed an Advanced Care Plan With Their Physician 1 in 10 (9% nationally and 6% in BC) Have Discussed an Advanced Care Plan With a Religious or Spiritual Guide
64 Only 23% in BC Have Plans to Ensure They re Able to Afford Home or Long Term Care if They Ever Need Because of their Health National British Columbia I have plans in place to ensure that I am able to afford home care or long term care if I ever need to because of my health 22% 23% I will need to rely on a public system if I ever need home care or long term care because of my health 51% 48% Neither 24% 23%
65 What s in Place to Handle Seniors Care? Not Much National British Columbia Hospitals can handle the needs of the elderly population in my area 25% 33% There are enough long-term care facilities to handle the needs of the elderly population in my area 24% 26% There are enough home care and support services in my area to help seniors live at home longer 24% 23%
66
67 Redemption: You get a second chance
68 Oh O CANADA, EH? Province/Region most likely to Do a Neighborhood Cleanup: Atlantic Canada (52%!)
69 Oh O CANADA, EH? Province/Region most likely to Believe that Cryptids Like Big Foot and the Loch Ness Monster Actually Exist: Saskatchewan (31%!)
70 Oh O CANADA, EH? Province/Region most Satisfied with their Love Life: Manitoba (78%!)
71 Oh O CANADA, EH? Province/Region most likely to Attend a Religious Service in their Community: Manitoba (52%!)
72 Oh O CANADA, EH? Province/Region least likely to Volunteer for a Community Group or Event: Quebec (39%!)
73 Oh O CANADA, EH? Province/Region who Most Likely Bite their Tongue? Atlantic Canada (22%!)
74 Oh O CANADA, EH? Province/Region most likely to Believe the Apollo Moon Landings were Faked: Quebec (21%!)
75 Oh O CANADA, EH? Province/Region most likely to Have a Favorable View of the Canada Revenue Agency: Ontario (67%!)
76 Thank You John Wright Senior Fellow
I retired earlier due at least partly to. circumstances outside my control. I retired when and as planned I retired later due at least partly to
Page 1 of 37 Retirement in Canada: Lots to enjoy about golden years, but financial worries loom large -- especially for those still working Most Canadians report retiring earlier or later because of circumstances
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