Page 27 - NO.136銀行家雜誌

照護失智者的費用很高，若無妥善規劃，恐拖累一個家庭，甚至造成嚴重社會問題。（圖／達志影像）

失智症恐影響總體經濟 年後就會出現。阿茲海默症雖然有一些早
發型病例，但發病機率與年紀高度相關；
在衡量大規模退休將造成多大社會衝擊 以美國為例，65至74歲的人只有3%機率患
時，扶養比很有用；但某些更重要的經濟問 病，75至84歲卻有17%，85至94歲更攀升
題在那之前，也就是從現在開始的10至20 到32%。這些數字幾乎表示，年過8旬的人

Dementia may affect macroeconomics called a normal state of affairs for people over 80.
Dementia is different in significant ways from
The dependency ratio is a good way to measure other health problems associated with aging. Patients
the effect of mass retirement on society, but in fact, often survive for several years, or even decades, yet
some of the more economically significant changes require labor-intensive care during that time. They can
tend to occur 1-2 decades later. Despite the occasional also lose the ability to make financial decisions for

occurrence of fluke early onset cases, Alzheimer’s themselves, making it necessary to think not only about
disease is strongly associated with the aging process. insurance and pensions for financial planning, but also
In the US, while only 3% of those aged 65-74 are more complex instruments like trusts.
afflicted with the disease, that number rises to 17% The effects of rising dementia prevalence are far-
for the following decade, and 32% for the next. With reaching enough to even affect larger macroeconomic
numbers like these, Alzheimer’s could almost be forecasts. In The Great Demographic Reversal, the

台灣銀行家2021.4月號 27

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