--- description: Breaking news and analysis from time.com. Politics, world news, photos, video, tech reviews, health, science, and entertainment news. title: Tackling Aging and Long-Term Healthcare image: https://static.time.com/v3/assets/bltea6093859af6183b/bltd4975d7c90d13755/6a4b5279b7437e294a1f668a/1D67EC41B0EC44AAABEDFB8B519971F2.jpeg?branch=production&width=3840&quality=75&auto=webp&crop=16:9 --- # Tackling Aging and Long-Term Healthcare  Global populations are [getting older](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.weforum.org/agenda/2021/08/heres-what-young-people-think-is-key-to-a-long-and-fulfilled-life/ "undefined"). We are living longer than we have in our history. For example, we live [four decades longer](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.nature.com/articles/s43587-021-00140-5 "undefined") than we did even a century ago. Many of us alive now, will, all things considered, see [80 or 90 years](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.weforum.org/agenda/2021/08/heres-what-young-people-think-is-key-to-a-long-and-fulfilled-life/ "undefined") of age. Generation Z, and the generations that follow, will likely see [upwards of 100](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.weforum.org/agenda/2021/08/heres-what-young-people-think-is-key-to-a-long-and-fulfilled-life/ "undefined"). Increased longevity however, brings with it a set of issues with which we are only beginning to grapple. For instance, with advanced aging: We’re spending more of our years without income. The cost of living and especially healthcare costs inexorably rise, reducing our purchasing power. How do we fund our retirement so as to live comfortable, satisfying lives, doing the things we want to do? Living longer does not necessarily mean living a longer healthier life. As we get older our health tends to deteriorate, for some mildly at first, but for most up to the point where the ability to function becomes severely impaired and [long-term care is required](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mckinsey.com/mhi/our-insights/adding-years-to-life-and-life-to-years "undefined"). This trend is compounded with the contraction of avoidable lifestyle diseases and chronic illness associated with such things as lack of exercise, smoking and poor diet, through the life course, resulting in us spending [more time in poor health](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mckinsey.com/mhi/our-insights/adding-years-to-life-and-life-to-years "undefined") than in good.  #### The Importance of Good Health for Wellness and Prosperity The importance of good health – throughout the course of life, and in particular in the elderly, cannot be over exaggerated. Poor health has a [serious negative impact](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mckinsey.com/mhi/our-insights/adding-years-to-life-and-life-to-years "undefined") on a person's life satisfaction and wellbeing, even more so than say losing a job, or divorce. Conversely, achieving and maintaining good health has holistic benefits that cut across individual, social and political domains. It affects how you function in life, how you’re able to form and hold social relationships, be productive, feel valued, and enjoy and live a fulfilled life. With increasing longevity the question we should be asking ourselves is how do we stay healthier longer? Part of the answer to healthy aging lies in early implemented lifestyle changes. Inevitably though, some illnesses and disorders cannot be avoided. Advancing years typically bring age-related health issues, e.g., physical frailty, falls, chronic illness, and brain disorders such as dementia. And, given our longer lives, these conditions can conceivably last for years and require specialist healthcare resources such as long-term care. #### Funding Longevity  In 2017, the World Economic Forum (WEF) released [a whitepaper](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www3.weforum.org/docs/WEF%5FWhite%5FPaper%5FWe%5FWill%5FLive%5Fto%5F100.pdf "undefined") on the financial predicament we’re facing with increased longevity: “We’ll Live to 100 – How can we Afford it?” The report points out that in the US alone 10,000 baby boomers are retiring each day, and the numbers retiring look to [grow 60%](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www3.weforum.org/docs/WEF%5FWhite%5FPaper%5FWe%5FWill%5FLive%5Fto%5F100.pdf "undefined") from 2014 to 2040\. Part of the cause of impending retirement insecurity for many in countries across the world, from Japan to the West, is the shifting of the burden of retirement savings from employers to employees - the move away from Defined Benefit (DB) pension plans to Defined Contribution (DC) plans. Despite the continuing dominance of DB plans in Japan, policy has mirrored the US’s approach of greater individual responsibility through [promoting DC retirement schemes](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.ey.com/en%5Fus/insurance/innovating-the-future-of-retirement-five-big-ideas-from-industry-leaders "undefined") as adjuncts to DB plans. Re-positioning retirement security squarely onto the shoulders of workers has produced mixed results. It’s pushed retirement savings to the forefront of people’s life planning but nevertheless, about 60% of Americans [do not have any retirement assets](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://cri.georgetown.edu/from-savings-to-security-the-future-of-innovation-in-dc-plan-design/ "undefined") at all, be it 401(k), IRA or a Defined Benefit (DB) pension. This leaves open the prospect of not being able to live the life they had envisaged in their retirement. #### Making Healthcare Affordable for All Universal Health Care (UHC) in many countries, including Japan, helps defray many on-going healthcare costs, albeit with some form of co-payment. However, many health packages do not fully cover care interventions that would facilitate functioning in the elderly. Often to maintain quality of life, retirees have to [privately fund things](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.who.int/teams/maternal-newborn-child-adolescent-health-and-ageing/ageing-and-health/universal-health-coverage-and-ageing "undefined") like hip or knee replacements, or assistive products or care. At some point, these costs start to outpace elderly income or retirement assets, adversely affecting their ability to pay, and potentially restricting access to needed health, and long-term care, while reducing their capacity to function in society and lead productive and fulfilling lives. Japan’s successful [Long-term Care Insurance](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.oecd-ilibrary.org/docserver/a25246a6-en.pdf?expires=1676197635&id=id&accname=guest&checksum=7F6D810BC454F9326AF6A4652C429664 "undefined"), where the requirement to pay premiums kicks in at 40 years of age, is designed to take up some of the slack and ease the financial burden of the more financially-needy elderly. #### Setting up for Success How do we change people’s behavior so that they see the seriousness of being underfunded in their old-age, and encourage behavior that minimizes their later dependence on healthcare systems? One way is to encourage people to make healthy choices throughout their life, to engage in healthy behaviors that cumulatively lead to healthier long-term outcomes. [Many insurance companies](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://hbr.org/2017/06/can-insurance-companies-incentivize-their-customers-to-be-healthier "undefined") have picked up the ‘reward-healthy-behavior’ baton to monetize the behavior of their customers by providing rewards in the form of healthy products and lower premiums for those practicing healthy behaviors such as exercising, and thereby reaping reduced payouts and claims as their customers age. These initiatives will reduce the cost burden of longevity, both on the individual and the state, as healthy aging demonstrably reduces the need for healthcare in general, and specifically [delays the need](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mckinsey.com/mhi/our-insights/adding-years-to-life-and-life-to-years "undefined") for costly long-term healthcare. Even engaging in healthy behaviors throughout life will not necessarily mean that you won’t need some form of long-term care when you are elderly. Indeed, [over 70% of Americans](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mercer.us/our-thinking/healthcare/the-great-resurgence-of-long-term-care.html "undefined") will need long-term healthcare (LTC) in their lives. This places many, especially lower and middle income groups, at financial risk. Of these, some, previously insured, have dropped out of long-term care insurance because of skyrocketing premiums, and will not be able to afford self-funding, or rely on assets such as a paid-off home or other investments.  Governments, employers, insurers and financial institutions have recently refocused their attention on addressing the yawning gap between the growing need for increasingly costly long-term care and the financial preparedness of those who will soon be in most need of it. By 2030 for example, there will only be about [four potential family caregivers](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.protectedincome.org/wp-content/uploads/2022/04/E-11%5FSuperCervens%5Fr2.pdf "undefined") for every person over 80 years old, compared to seven in 2010\. As such, new approaches to financing long-term care are emerging. In the process, long-term care insurance is making a bit of a comeback. Traditional, auto insurance-like policies, where premiums are paid for a benefit if used, are being replaced by hybrid policies that link to some form of life insurance or annuity. These policies [provide greater flexibility and financial security](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.aarp.org/caregiving/financial-legal/info-2021/understanding-long-term-care-insurance.html "undefined") with a death payout to an heir, or a living benefit triggered by an LTC event, typically a physical or mental incapacity that limits daily activity. Governments such as Washington State, in the US, cognizant of the dire economic and social ramifications of the future widespread need of largely unfunded long-term healthcare, are looking at policies that [mandate long-term care insurance](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mercer.us/our-thinking/healthcare/the-great-resurgence-of-long-term-care.html "undefined") through taxed-based compulsory contributions. [Financial planners](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.nia.nih.gov/health/paying-long-term-care#:~:text=Private%20financing%20options%20for%20long,policies%2C%20annuities%2C%20and%20trusts "undefined") are encouraging their customers to plan for their future financial security through the various and more attractive new approaches that are now available. These include hybrid long-term care insurance linked to life coverage, reverse mortgages, deferred annuities, and trusts, as well as ways to maximize savings and investment earnings to help fund expected long-term healthcare needs.  #### Ensuring Quality of Life Getting the most out of our new-found longevity raises the question of the nature of the long-term care we receive. There is now a strong emphasis in healthcare on promoting intrinsic capacity and functionality in life. Facilitating, for instance, the ability to live a normal life – perform daily tasks, to build relationships, to continue to work or to take up hobbies and activities that bring joy to life. And age-related situations and disorders that can have a devastating effect on physical and mental wellbeing, such as poor diet, sleep impairment and social isolation are being addressed with renewed vigor. Sleep impairment, for example, is a byproduct of some disorders such as depression and dementia, but a significant body of evidence now exists demonstrating that the relationship between sleep disturbance and mental disorders is bi-directional: lack of quality sleep can also cause or exacerbate conditions such as depression and dementia. Addressing sleep disturbance has become [a high priority therapeutic goal](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.ncbi.nlm.nih.gov/pmc/articles/PMC8804655/ "undefined") in the healthcare of the elderly. Similarly, social isolation is a common experience for many elderly. Apart from the pain of loneliness, social isolation can cause or aggravate mental and physical disorders such as heart attacks, stroke, or depression, and result in [reducing life expectancy](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.mckinsey.com/mhi/our-insights/adding-years-to-life-and-life-to-years "undefined") from between 10 and 25 years. As we move forward into the unprecedented territory of having more older people than younger people on the planet, technology can help us get to old age in better shape e.g. the widespread adoption of fitness, diet and other health tracking apps, and the associated data analytics that make [personalized programs and incentives](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://hbr.org/2017/06/can-insurance-companies-incentivize-their-customers-to-be-healthier "undefined") possible. [Technology will also play a leading role](https://jadserve.postrelease.com/trk?ntv%5Fat=4,29&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=314573701&ntv%5Fht=ICIMagA&prx%5Fr=https://www.ideapoke.com/growthleader/elderly-care-a-1-trillion-market-opportunity-at-all-time-high-demand/ "undefined") in how we are cared for, and how we maintain holistic health in old age. For instance, making homes and cities age-friendly with smart systems that provide safety and efficiencies for the elderly in their daily life, but also in the provision of their long-term health care needs, enabling them to live independently for longer, either at home or in assisted facilities. **_SOMPO: Years Ahead_** [](https://jadserve.postrelease.com/trk.gif?ntv%5Fat=59&ntv%5Fui=676574b8-4239-45e0-973e-c49a17ea424a&ntv%5Fa=d2MIAtpVeAtV4SA&ntv%5Ffl=H8%5FNIX%5FfVs0Ik5QLWe2EYHNVaVl9Z%5FoPpSo7HNtthPuxnPMUinohHwEZVsC%5FKIvoC3marVAe04PLsb5gW1Ehsf%5Fl0qLRhx5oola1Ft7j8izmUulQ0LgzSkXZA7V75Tvv6cpSc8Ejjf9kwZZf7c0HzApANXlel-HhZUDtVK9o2-JskiAV14YgYDp6ol46O3KEgcyEBwMgNfsMC27vGP9e49kSPeduO2gn4y4fv37A2NRuAr-jT5m61RYOEu6R0XQd5yBPQhjT4oozDxvHWye%5FdE8yjgwmrW9if1e4EJuGiXxBWgTCjd3HCaIHp8Q1lj-5g2Q4%5FFOT-a9J3qUhaaviHZ7m2T8ENhtoKdBgGcjztlerlzztW3cx7u0G5%5FoeKVO64KaP5ZduqBe2LbEBqSQov9QZiDnLdJ64x354T2Kzz0Tim01Ci6AJ2O0V3PyHT7VRYO0hP8jbBLLleJXf1QLCnjr9poz16J73d4ncQCGV1qIaeQu5TOaStoIaH7TxPtkJu0x2CDtm1qBJ1K0LOyTWUA==&ord=1607883366&ntv%5Fht=ICIMagA&prx%5Fr=https://www.sompo-hd.com/en/company/brand/global%5Fbrand/) Tackling Aging and Long-Term Healthcare ```json [{"@context":"https://schema.org","@type":"NewsArticle","@id":"https://time.com/branded-content/sompo-holdings/tackling-aging-and-long-term-healthcare/","mainEntityOfPage":{"@type":"WebPage","@id":"https://time.com/branded-content/sompo-holdings/tackling-aging-and-long-term-healthcare/"},"headline":"Tackling Aging and Long-Term Healthcare","datePublished":"2026-06-18T14:28:32.662Z","dateModified":"2026-06-03T16:15:43.041Z","description":"","url":"https://time.com/branded-content/sompo-holdings/tackling-aging-and-long-term-healthcare/","keywords":[],"thumbnailUrl":"","author":[],"articleSection":"","image":[],"publisher":{"@type":"Organization","name":"Time","url":"https://time.com/","logo":{"@type":"ImageObject","url":"https://time.com/images/logo.png","width":528,"height":156},"foundingDate":"March 3, 1923","sameAs":["https://www.facebook.com/time","https://www.instagram.com/time/?hl=en","https://twitter.com/time","https://www.pinterest.com/timemagazine"]}},{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"item":{"@id":"https://time.com/branded-content/sompo-holdings/tackling-aging-and-long-term-healthcare/","name":"Tackling Aging and Long-Term Healthcare"}}]}] ```