La proportion des Etats-uniens agés de plus de 65 ans et se déclarant en banqueroute a triplé depuis 1991, selon une nouvelle étude (NYT, site payant).
‘Too Little Too Late’ : Bankruptcy Booms Among Older Americans - The New York Times
For a rapidly growing share of older Americans, traditional ideas about life in retirement are being upended by a dismal reality: bankruptcy.
The signs of potential trouble — vanishing pensions, soaring medical expenses, inadequate savings — have been building for years. Now, new research sheds light on the scope of the problem: The rate of people 65 and older filing for bankruptcy is three times what it was in 1991, the study found, and the same group accounts for a far greater share of all filers.
Accès direct à l’étude :
Graying of U.S. Bankruptcy : Fallout from Life in a Risk Society by Deborah Thorne, Pamela Foohey, Robert M. Lawless, Katherine M. Porter :: SSRN
The social safety net for older Americans has been shrinking for the past couple decades. The risks associated with aging, reduced income, and increased healthcare costs, have been off-loaded onto older individuals. At the same time, older Americans are increasingly likely to file consumer bankruptcy, and their representation among those in bankruptcy has never been higher. Using data from the Consumer Bankruptcy Project, we find more than a two-fold increase in the rate at which older Americans (age 65 and over) file for bankruptcy and an almost five-fold increase in the percentage of older persons in the U.S. bankruptcy system.