Why is the Retirement Age 65?

istock.com/a-poselenov
istock.com/a-poselenov

In the early 1880s, Chancellor Otto Von Bismarck of Germany had a problem. Marxist unrest was spreading across Europe and some of his own countrymen were calling for socialist reforms. To take the wind out of their sails and stave off more radical policies, Bismarck concocted a first-of-its-kind social insurance program wherein the national government would contribute to the pensions of nonworking older Germans.

Along with German Emperor William the First, Bismarck announced the idea in 1881, and the pair made their case to the Reichstag, or German Parliament, that  “those who are disabled from work by age and invalidity have a well-grounded claim to care from the state.”*

According to the historians at the American Social Security Administration, the usual explanation for that magic number of 65 is that, at the time the plan was created, that happened to be Bismarck’s own age. The story doesn’t hold up, though. Germany initially chose 70 as its retirement age, and didn’t lower it to 65 until long after Bismarck was dead. The choice for the age of eligibility was actually more of a shrewd, and maybe a little cynical, cost-saving measure: it closely matched the average German life expectancy at the time.

Even though his plan was to flank the Marxists, Bismarck (pictured) still drew criticism for the old-age pensions, and the far-right politician was labeled a socialist. The same charge was slapped on President Franklin Roosevelt when he imported the idea to the U.S. decades later. The Committee on Economic Security, which launched the American Social Security system in 1935, selected 65 as the retirement age, but the SSA says that federal government wasn’t simply following Germany’s lead. Their choice was, like the Germans’, pragmatic. Roughly half of the existing private and state-run old-age pension systems, as well as the federal Railroad Retirement System, were using 65 as their retirement age, and the other half were using 70. It was practical for the federal plan to sync up with one half or the other, and the government’s actuarial studies suggested that starting the pensions at age 65 would allow for a system that could easily be sustained with moderate payroll taxes.

That sustainability wouldn’t last, though. In the 1980s, the SSA saw that changes in the number of people in the workforce and in retirement would require reforms to the plan. Congress has since had to make the occasional adjustment to Social Security withholding taxes and the age of eligibility. Currently, the retirement age for full benefits depends on the year a person was born. Meanwhile, the Germans have had to make adjustments to their own historic system, proposing a gradual increase of the official retirement age to 67 over the next few years.

* Just a few years later, Bismarck and William also passed an Imperial insurance order — known in German as the Reichsversicherungsverordnung — which mandated certain workers to pay premiums to health insurance funds.

10 Rad Gifts for Hikers

Greg Rosenke/Unsplash
Greg Rosenke/Unsplash

The popularity of bird-watching, camping, and hiking has skyrocketed this year. Whether your gift recipients are weekend warriors or seasoned dirtbags, they'll appreciate these tools and gear for getting most out of their hiking experience.

1. Stanley Nesting Two-Cup Cookset; $14

Amazon

Stanley’s compact and lightweight cookset includes a 20-ounce stainless steel pot with a locking handle, a vented lid, and two insulated 10-ounce tumblers. It’s the perfect size for brewing hot coffee, rehydrating soup, or boiling water while out on the trail with a buddy. And as some hardcore backpackers note in their Amazon reviews, your favorite hiker can take the tumblers out and stuff the pot with a camp stove, matches, and other necessities to make good use of space in their pack.

Buy it: Amazon

2. Osprey Sirrus and Stratos 24-Liter Hiking Packs; $140

Amazon

Osprey’s packs are designed with trail-tested details to maximize comfort and ease of use. The Sirrus pack (pictured) is sized for women, while the Stratos fits men’s proportions. Both include an internal sleeve for a hydration reservoir, exterior mesh and hipbelt pockets, an attachment for carrying trekking poles, and a built-in rain cover.

Buy them: Amazon, Amazon

3. Yeti Rambler 18-Ounce Bottle; $48

Amazon

Nothing beats ice-cold water after a summer hike or a sip of hot tea during a winter walk. The Yeti Rambler can serve up both: Beverages can stay hot or cold for hours thanks to its insulated construction, and its steel body (in a variety of colors) is basically indestructible. It will add weight to your hiker's pack, though—for a lighter-weight, non-insulated option, the tried-and-true Camelbak Chute water bottle is incredibly sturdy and leakproof.

Buy it: Amazon

4. Mappinners Greatest 100 Hikes of the National Parks Scratch-Off Poster; $30

Amazon

The perfect gift for park baggers in your life (or yourself), this 16-inch-by-20-inch poster features epic hikes like Angel’s Landing in Zion National Park and Half Dome in Yosemite National Park. Once the hike is complete, you can scratch off the gold foil to reveal an illustration of the park.

Buy it: Amazon

5. National Geographic Adventure Edition Road Atlas; $19

Amazon

Hikers can use this brand-new, updated road atlas to plan their next adventure. In addition to comprehensive maps of all 50 states, Puerto Rico, Canada, and Mexico, they'll get National Geographic’s top 100 outdoor destinations, useful details about the most popular national parks, and points on the maps noting off-the-beaten-path places to explore.  

Buy it: Amazon

6. Adventure Medical Kits Hiker First-Aid Kit; $25

Amazon

This handy 67-piece kit is stuffed with all the things you hope your hiker will never need in the wilderness. Not only does it contain supplies for pain, cuts and scrapes, burns, and blisters (every hiker’s nemesis!), the items are organized clearly in the bag to make it easy to find tweezers or an alcohol wipe in an emergency.

Buy it: Amazon

7. Hiker Hunger Ultralight Trekking Poles; $70

Amazon

Trekking poles will help increase your hiker's balance and stability and reduce strain on their lower body by distributing it to their arms and shoulders. This pair is made of carbon fiber, a super-strong and lightweight material. From the sweat-absorbing cork handles to the selection of pole tips for different terrain, these poles answer every need on the trail. 

Buy it: Amazon

8. Leatherman Signal Camping Multitool; $120

Amazon

What can’t this multitool do? This gadget contains 19 hiking-friendly tools in a 4.5-inch package, including pliers, screwdrivers, bottle opener, saw, knife, hammer, wire cutter, and even an emergency whistle.

Buy it: Amazon

9. RAVPower Power Bank; $24

Amazon

Don’t let your hiker get caught off the grid with a dead phone. They can charge RAVPower’s compact power bank before they head out on the trail, and then use it to quickly juice up a phone or tablet when the batteries get low. Its 3-inch-by-5-inch profile won’t take up much room in a pack or purse.

Buy it: Amazon

10. Pack of Four Indestructible Field Books; $14

Amazon

Neither rain, nor snow, nor hail will be a match for these waterproof, tearproof 3.5-inch-by-5.5-inch notebooks. Your hiker can stick one in their pocket along with a regular pen or pencil to record details of their hike or brainstorm their next viral Tweet.

Buy it: Amazon

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What Really Happens When Food Goes Down the 'Wrong Pipe'?

The dreaded 'wrong pipe' calamity can strike at any time.
The dreaded 'wrong pipe' calamity can strike at any time.
Photo by Adrienn from Pexels

Your average person isn’t expected to be well-versed in the linguistics of human anatomy, which is how we wind up with guns for biceps and noggins for heads. So when swallowing something is followed by throat irritation or coughing, the fleeting bit of discomfort is often described as food “going down the wrong pipe.” But what’s actually happening?

When food is consumed, HuffPost reports, more than 30 muscles activate to facilitate chewing and swallowing. When the food is ready to leave your tongue and head down to your stomach, it’s poised near the ends of two "pipes," the esophagus and the trachea. You want the food to take the esophageal route, which leads to the stomach. Your body knows this, which is why the voice box and epiglottis shift to close off the trachea, the “wrong pipe” of ingestion.

Since we don’t typically hold our breath when we eat, food can occasionally take a wrong turn into the trachea, an unpleasant scenario known as aspiration, which triggers an adrenaline response and provokes coughing and discomfort. Dislodging the food usually eases the sensation, but if it’s enough to become stuck, you have an obstructed airway and can now be officially said to be choking.

The “wrong pipe” can also be a result of eating while tired or otherwise distracted or the result of a mechanical problem owing to illness or injury.

You might also notice that this happens more often with liquids. A sip of water may provoke a coughing attack. That’s because liquids move much more quickly, giving the body less time to react.

In extreme cases, food or liquids headed in the “wrong” direction can wind up in the lungs and cause pneumonia. Fortunately, that’s uncommon, and coughing tends to get the food moving back into the esophagus.

The best way to minimize the chances of getting food stuck is to avoid talking with your mouth full—yes, your parents were right—and thoroughly chew sensible portions.

If you experience repeated bouts of aspiration, it’s possible an underlying swallowing disorder or neurological problem is to blame. An X-ray or other tests can help diagnose the issue.

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