America's older population is growing, and so is the number of lesbian, gay, bisexual and transgender (LGBT) adults who are moving into their later years. In the next several decades, LGBT adults age 65 and above is expected to double, reaching more than 3 million by 2030.
See Also: Finding LGBT-Friendly Care
In my job as executive director of SAGE (that's for Services & Advocacy for Gay, Lesbian, Bisexual and Transgender Elders), I'm constantly hearing about the unique challenges facing our community. These are the five main things we need to change if we want our society to be prepared for the full diversity of its aging population:
2. Caregiving Issues
Can you imagine not being able to care for a longtime partner or spouse, or have any say in your loved one's medical care? It's unthinkable for most of us. Because the support systems of LGBT elders — their partners and their families of choice — often are not recognized under the law, LGBT people frequently are not granted family or medical leave to take care of a sick or terminally ill partner. Furthermore, LGBT people can be excluded from decision-making on a partner's medical care and funeral plans, unless they have put specific legal arrangements in place. Unfortunately, many people don't make such arrangements, either because they can't afford the legal costs or because they, like so many Americans, think they can put them off for another day. (Here's a link to resources that can help you get those documents prepared.)
3. Financial Insecurity
LGBT older people are less financially secure than American elders as a whole. For example, poverty rates among elder lesbian and gay couples are 9.1 percent and 4.9 percent, respectively, compared with 4.6 percent among elder heterosexual couples. Several factors contribute to higher poverty rates, including employment discrimination and barriers in Social Security, Medicaid, and pension and retirement plans that deny same-sex couples key retirement benefits afforded to the broader population. In addition, state laws can shut LGBT partners out of an inheritance, or can require them to pay steep taxes on an estate that a surviving heterosexual spouse would inherit tax-free.