What is the issue?
OLD AGE ISSUES:– India has a serious problem of a growing elderly population. India lacks policy measures to address the problems of the elderly.
What is the status of the elderly population in India?
According to the 2011 Census, there are 104 million elderly persons (aged 60 years or above) in India.
The proportion of elderly was 8.6% in 2011 and is rising. Also, the average Indian can expect to live at least 18 years beyond the age of 60, which means the dependency ratio is also rising.
According to World Population Prospects, UN Revision, 2006, the population of age in India is currently the second largest in the world.
According to Population Census 2011, there are nearly 104 million elderly persons (aged 60 years or above) in India; 53 million females and 51 million males.
This phenomenon of the growing population of senior citizens has been the result of recent successes in the achievement of better health standards and a longer span of life for our citizens. Due to this dependency ratio for the old had risen from 10.5 percent in 1961 to 11.8 percent in 1991; it is projected to be 16.1per cent by 2021.
What are the problems faced by the elderly population?
The joint family system, which sustained the elderly, is virtually a thing of the past. There is no institutional support for the elderly, and the cost of both living and Medicare is rising, eroding their savings, and the old-age pension.
Problems faced by the elderly population
1. Disabilities in old age
With the increasing age and decreasing health, the older person begins to depend unknowingly physically and psychologically on either the kinship group or the existing social support network.
The most common disability among the aged persons was locomotor disability and visual disability as per Census 2011.
2. Economic Problems
Economic dependence is one of the major factors that very often affects the well-being of older persons.
Economic dependence is manifested in two ways.
• First, the status of economic dependence may be caused by retirement for a person employed in the formal sector.
• Secondly, for a person in the rural or urban informal sectors, it may result from their declining ability to work because of decreased physical and mental abilities. Sometimes older persons are also faced with economic dependence when management responsibilities for matters relating to finances, property, or business are shifted to children, pushing the older person into a new status of economic dependence.
3. Psychological Problems
The common psychological problems that most older person experiences are: feeling of powerlessness, feeling of inferiority, depression, uselessness, isolation, and reduced competence. These problems along with social disabilities like widowhood, societal prejudice, and segregation aggravate the frustration of elderly people. Studies report that conditions of poverty, childlessness, disability, in-law conflicts, and changing values were some of the major causes of elder abuse.
4. Health Problems
Health problems are supposed to be the major concern of society as older people are more prone to suffer from ill health than younger age groups. It is often claimed that aging is accompanied by multiple illnesses and physical ailments. In most of the primary surveys, the Indian elderly in general and the rural aged in particular are assumed to have some health problems like cough, poor eyesight, anemia, and dental problems.
Due to steadily falling interest rates on bank deposits steadily most middle-class elderly actually depend on elderly pensions to sustain themselves.
What are the issues with existing government mechanisms?
Indira Gandhi National Old Age Pension Scheme has been paying Rs. 200 a month as an old-age pension.
A sum that has remained unchanged since 2006, when it was introduced.
Due to inflation, the value of this has depreciated to under Rs. 100 over the past 11 years, less than a day’s notified minimum wage.
Union government passed a law in 2007 (the Maintenance and Welfare of Parents and Senior Citizens Act) to make the maintenance of parents/senior citizens by children/relatives obligatory and justiciable through tribunals.
The Act also provides for revocation of transfer of property by senior citizens in case of negligence by relatives, penal provision for abandonment, etc. But this Act has miserably failed to serve its purpose. The Ministry of Social Justice, the nodal ministry for the elderly, also has a grand plan called the Integrated Programme for Older Persons, which has been operational since 1992. But this is underfunded and languidly administered, the program managed to reach just 23,095 beneficiaries in 2015-2016.
What measures can be taken?
- A minimum universal monthly pension of Rs. 2,000 for the elderly is quite doable for a $2 trillion economy like India.
- Assisted living facilities for indigent elderly, particularly those with age-related issues like dementia, need policy focus.
- The finance ministry can give more tax breaks, or at least remove tax on deposit interest for seniors.
Provisions by the government
Since independence, the Indian government has been committed to supporting the old people in our society with certain interventionist welfare methods.
The year 1999 was declared by the UN as the International Year of Older Persons followed on 13th Jan 1999, by the Government of India approving the National Policy for Older Persons for accelerating welfare measures and empowering the elderly in ways beneficial to them.
Maintenance and Welfare of Parents and Senior Citizens
Provisions have been made in the Constitution of India to preserve the rights of those aged above 60.
Since these articles are part of Chapter IV of the constitution which corresponds to Directive Principles, they cannot be enforced by a court of law as stated in Article 37, however, they are the basis upon which any legislation is drafted.
Article 41 of the Constitution secures the right of senior citizens to employment, education, and public assistance. It also ensures that the state must uphold these rights in cases of disability, old age, or sickness. Meanwhile, Article 46 asserts that the educational and economic rights of the elderly must be protected by the state. Article 47 Duty of the State to raise the level of nutrition and the standard of living and to improve public health these above articles which are applicable to old age people ensure their well-being.
Apart from this old age people are also protected under the National policy for old persons 2011.
National policy for old persons 2011
The National Policy on Older Persons was announced by the Government of India in the year 1999. It was a step in the right direction in pursuance of the UN General Assembly Resolution 47/5 to observe 1999 as the International Year of Older Persons and in keeping with the assurances to older persons contained in the Constitution.
Some of the salient policy objectives are to:
1. Mainstream the concerns of senior citizens, especially older women, and bring them into the national development debate;
2. Promote income security, homecare services, old age pension, healthcare insurance schemes, housing, and other programs/ services;
3. Promote care of senior citizens within the family and consider institutional care as a last resort;
4. Work towards an inclusive, barrier-free, and age-friendly society;
5. Recognize senior citizens as a valuable resource for the country, protect their rights and ensure their full participation in society;
6. Promote long-term savings instruments and credit activities in both rural and urban areas;
7. Encourage employment in income-generating activities after superannuation;
8. Support organizations that provide counseling, career guidance, training services; etc.
Maintenance and welfare of senior citizens act 2007 provisions and criticisms
Maintenance and Welfare of Parents and Senior Citizens Act, 2007is legislation enacted in 2007, initiated by the Ministry of Social Justice and Empowerment, Government of India to provide more effective provisions for the maintenance and welfare of parents and senior citizens.
Key provisions of the act
1. This Act makes it a legal obligation for children and heirs to provide maintenance to senior citizens and parents, by monthly allowance.
2. This Act also provides a simple, speedy, and inexpensive mechanism for the protection of the life and property of older persons.
3. The Act provides inexpensive and speedy procedures to claim monthly maintenance for parents and senior citizens.
4. This Act casts obligations on children to maintain their parents/grandparents and also the relative of the senior citizens to maintain such senior citizens.
5. The main attraction of this Act is there are provisions to protect the life and property of such persons.
6. It also provides for the setting up of old-age homes for providing maintenance to indigent senior citizens and parents.
7. Senior citizens who are unable to maintain themselves shall have the right to apply to a maintenance tribunal seeking a monthly allowance from their children or heirs.
8. State governments may set up maintenance tribunals in every sub-division to decide the level of maintenance. Appellate tribunals may be established at the district level.
9. State governments shall set the maximum monthly maintenance allowance. The Bill caps the maximum monthly allowance at Rs 10,000 per month.
It is alleged that this Act is not easy to implement, there is no obligation on the state government to establish old age homes, there are no provisions for old age pensions, etc. Also, finding credible, willing, and able persons and NGOs for inclusion in the Tribunal is quite a task, the practicality of setting up the Tribunal itself becomes a challenge.
The recent judgment by the court regarding the maintenance of the senior citizen’s act.
The Supreme Court said that senior citizens should get a meaningful pension to live with dignity.
1. The reciprocal care and support within multi-generational families of parents, grandparents, and children should be encouraged. Traditional values of filial obligations can also be reinforced in school curricula and through the media.
2. Institutional care must be able to enhance relationships within families that incorporate both young and old persons. There is a need for effective legislation for parents’ right to be cared for by their children.
3. The existing healthcare systems are not sufficient to meet the physical and health needs of the aging population such as old age security, establishing old age homes, expanding geriatric services, and liberalizing the welfare policy for older persons. It is necessary to increase public awareness of the need for the protection of this subgroup. There is a great need to protect the target group i.e. rural old, old women, and widows.
FAQ About OLD AGE ISSUES
Common issues faced by the elderly include physical health problems, chronic illnesses, mobility limitations, cognitive decline, loneliness, social isolation, financial constraints, caregiving needs, mental health issues like depression and anxiety, and age-related discrimination.
Aging can lead to various physical health issues such as decreased strength and mobility, chronic conditions like arthritis, heart disease, diabetes, osteoporosis, vision and hearing impairment, increased risk of falls, and a weakened immune system.
Social and emotional challenges faced by the elderly include loneliness, social isolation, loss of loved ones, reduced social connections, feeling of being marginalized or neglected, adjustment to retirement, and coping with emotional changes and mental health issues.
Financial constraints can impact older adults significantly. They may face challenges related to insufficient retirement savings, rising healthcare costs, limited income, dependence on pensions or social security, difficulty in meeting daily expenses, and vulnerability to financial abuse or scams.
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