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Life and Death Issues 
US Life Expectancy 
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July 7, 2016:  When you are considering when to withdraw retirement savings, when to take Social Security and your overall financial picture, a KEY factor to consider is how long you might live. 
According to data compiled by the Social Security Administration: 
  • A man reaching age 65 today can expect to live, on average, until age 83.  
  • A woman turning age 65 today can expect to live, on average, until age 85. 
And those are just averages. About one out of every four 65-year-olds today will live past age 90, and one out of 10 will live past age 95. 

The Social Security Administration has a free online life expectancy calculator that can give you a rough estimate of how long you (or your spouse) may live. Knowing this information can help you make a more informed choice regarding when to collect Social Security retirement benefits as well as other decisions impacting your financial decisions.  See: 
Here is an example:

The Centers for Disease Control and Prevention’s National Center for Health Statistics has completed an abstract that presents U.S. data on deaths, death rates, life expectancy and leading causes of death, and infant mortality by selected characteristics such as age, sex, race, and Hispanic origin.  The report is based on death records comprising more than 98 percent of the demographic and medical files for all deaths in the United States in 2013.
In 2013, life expectancy at birth in the United States for the total population was 78.8 years, 76.4 years for males and 81.2 years for females.  The leading causes of death in 2011 remained the same as in 2010 and some of them might or at least their ranking may surprise you.

Leading Causes of Death

 In 2013, the 10 leading causes of death were heart disease, cancer, chronic lower respiratory diseases, unintentional injuries, stroke, Alzheimer’s disease, diabetes, influenza and pneumonia, nephritis, and suicide. These 10 causes of death accounted for 74% of the 2.6 million deaths in 2013.

In the latest publication, the Centers for Disease Control and Prevention’s included a new section entitled “Special Feature on Adults Aged 55–64” which is an age that many of our subscribers may find themselves:

All-cause death rates in 2013 for those aged 55–64 were 6% lower for men and 11% lower for women than in 2003, driven by decreases in death rates for cancer and heart disease

In 2012–2013, 18.1% of noninstitutionalized adults aged 55–64 were current cigarette smokers, 8% lower than the percentage in 2002–2003 (19.7%).

For adults aged 55–64, the percentage with private health insurance was lower for all family income groups in 2012– 2013 compared with 2002–2003, with the largest loss of private coverage occurring for those with family income below 200% of the poverty level.

In 2009–2012, the percentage of adults aged 55–64 who took no, 1–4, or 5 or more prescription drugs in the past 30 days was similar to levels in 1999–2002; use of prescription cholesterol-lowering drugs was 54% higher among 55- to 64-year-olds in 2009–2012 (31.8%) compared with 1999–2002 (20.6%).

This information and a whole lot more about health can be found in the 2014 Edition of Health, United States at the following URL:

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Disclaimer:  The information contained in this web site is not intended to constitute financial advice, and is not a recommendation or solicitation to buy, sell or hold any security. This blog is strictly informational and educational and is not to be construed as any kind of financial advice, investment advice or legal advice. Copyright © 2016 Kirk Lindstrom. Note: "CORE & Explore®" was coined by and is a registered trademark of Charles Schwab & Co., Inc.