(Finance) – TheSilver Economy Censis-Tendercapital 2022 Observatory, “The Silver Economy between new uncertainties and proximity” with the aim of offering a framework on the conditions of the elderly in a rapidly changing socio-economic context, which goes beyond the pandemic trauma. A scenario characterized by the uncertainties that events such as the war in Ukraine or the increase ofinflation they are generating in daily lives.
The study shows the importance for elderly people of the Cashwhich makes them feel unable to deal with some of the effects of their own vulnerability. In particular, the subjective value, psychological of cash is higher than the economic costs amplified by inflation. In fact, 54.3% of the elderly have no intention of using the savings they hold in cash for investments, while 13.6% do not have a precise idea and 32.1% are ready to ferry the liquid assets in some investment.
Almost half (47.8%) of the elderly aged 75 or over suffer from multicronicity, with significant consequences on daily life, a share that rises to over 55% in the South-Islands, and is higher among women (52.4%) than men (40.9%). At the top of the ranking of the perceived fears of the elderly is non self-sufficiency, indicated by 44% of the elderly.
Although the pandemic period has strengthened the link between citizens And welfareover 69.1% of seniors say that during the year they tried to book appointments with specialists or to undergo examinations through the National Health Service finding, however, very long waiting lists.
Today 62.3% of the elderly have a house with children or siblings living nearby, 79.6% have their own nearby doctor of general medicine, 92.7% have a reference pharmacy, 31.4% an emergency room or a hospital. Furthermore, at the time of the digital physicality remains an important requirement of the daily life of the elderly, for example in the relationship with services, including those of the Public Administration: 59.2% physically contact the agency’s counter.
In ten years, the number of people aged 65 or over has increased by over 1.5 million. It is exceptional performance of those over the age of eighty, increased by 22.7%, to reach the current 4.5 million, equal to 7.6% of the population. Gray wave rising, while the population total it shrinks by over 1.1 million people.
Currently the provinces Italian with the highest share of elderly people on the total population Savona (29.7%), Biella (29.6%), Genoa (29.1%). The incidence of the elderly on the total population has grown a lot in the Sardinian provinces, in some Apulian and Calabrian provinces and in Frosinone (+ 4.4%).
For Maximilian ValeriiDirector General of Censis: “Uncertainty is the greatest evil for the elderly at this stage. But they manage to keep it under control, on the one hand with the cash ready for any eventuality that still accumulates despite inflation, and on the other valuing the proximity, with children and grandchildren, to the doctor’s office, pharmacy, supermarket, bars and restaurants of reference not far from their home, usually reachable with a walk of no more than twenty minutes. This is the pragmatic, and so far effective, response of the elderly to fear of new emergencies “.
According to Moreno ZaniPresident of Tendercapital: “Inflation is a concrete threat to Italian domestic consumption and exports and the data from the Observatory show how much the silver segment perceives its seriousness. It is necessary to work at national and European level to restore stability and a climate of confidence that the fears expressed by the long-lived do not affect the use of Italian savings and, consequently, the collective well-being and growth of the country “.
“Every person who is lucky enough to grow old has the need to live in health and well-being as long as possible – he said Alberto Olive groves, President AdEPP – and also in the multi-chronicity of the ailments the elderly hope not to have to depend on others. We are, in fact, in the presence of an aging society that needs better assistance services and proximity medicine. For example, the home should be the first place of care. In this sense, it is necessary to redesign our welfare system, social security must also be adapted to the life needs of the elderly and to problems of social cohesion, with the aim of providing services in line with the needs of senior citizens “.
For Alfonso CelottoProfessor of Constitutional Law at the University of Roma Tre, “the cornerstone of the Constitution is Article 3, which establishes formal but also substantial equality, requires state interventions to remove obstacles and allow everyone to participate in training The Constitution, therefore, has a plural approach that lays the foundations for an evolutionary approach. We must therefore expect a social policy that is aimed not only at protecting the younger generations, but also the elderly population. , one of the most important challenges is the fight against the digital divide, that is, making the services of the Public Administration as accessible as possible, also creating a network to support the elderly “.
Paul EdgesAvvocato, partner of Studio Gianni & Origoni, explained that “the lifetime mortgage loan is an instrument that can respond to the need to maintain the income capacity and to provide the liquidity necessary to use essential services. It is therefore a question of a form of loan that is anchored to the life of the financed party and that meets the ESG sustainability criteria. In this sense, it is a means that economically reassures the elderly, mitigating their anxiety about the possibility of responding and supporting the needs of life that could change with the passage of time “.