Thank you very much for inviting me to present to you today. I'm sorry that I couldn't be there in person. I'm very pleased that your group is focusing on the needs of older women. There are certainly a lot of issues and not a lot of focus on this group, so I really commend you on this work.
I was asked to talk about issues that contribute to women's poverty and vulnerability, and hopefully you'll have access to my slides at some point.
We have a lot of intersections due to the issues of ageism and sexism. That's really the focus of this, I think, and it's what I'm going to talk about today. In addition to women who are older, there are additional groups of women who face additional vulnerability.
I'm really pleased that you have a person who is going to talk about indigenous issues and aging, so I won't focus very much on that component. That's another issue that can affect vulnerability in later life.
We know that there's a great deal of diversity among older women. We have a lot of older women in Canada who belong to a visible minority group, and that can also have a great impact on their experiences in later life.
One of the main things that I wanted to first focus on is the anti-aging industry. We have a lot of overt discrimination against older women. If you're watching commercials or any kind of media, it doesn't take long to see commercials that really are talking about why older people, women especially, should not look old. I think we really need to look critically at that. We don't have commercials saying why it's bad to be a woman or bad to be a young person, but we have a lot of focus in our society about women not looking old.
I think that's something that we need to change and really talk about in terms of a very overt form of discrimination that needs to be addressed in our society. I wanted to make that point very clear first of all. I teach a course on women and aging, with a lot of wonderful discussion amongst the mostly younger women in my course who are already absorbing these messages about wanting to look young. I think we need to have a lot of social marketing and a lot of campaigns around, “Why is it that we're allowed to discriminate overtly against looking like an older woman in our society?”
I'm sure that you are well aware of the demographics of our aging population, but we don't focus as much on the fact that there are more older women than older men—in my slides, you'll eventually be able to see some of the statistics around that—especially as we get older. Among people who are in their sixties, there's not a lot of difference in terms of the proportion of men and women, but it steadily increases over time. For example, for people who are 100 and over, it's about 90% women at that point. It's a steady increase in the proportion of women.
For any kind of services and supports that are focused especially on our frail older adult population—I'm thinking about things like home care, community-based supports and residential-based long-term care facilities—these issues are disproportionately affecting older women. Any time we have waiting lists and we don't adequately fund these kinds of services, it's really disproportionately affecting older women.
Another important demographic point that I would like to make is that as women get older, they are much less likely to live in a couple relationship than men are. A lot of older men have a spouse. For women, because women live longer and women often have a male partner who is older, it ends up being a situation in later life where there are a lot more women who are not in a partner situation, don't have access to a spousal caregiver and are living alone.
In Canada, we have a very large proportion of our older adult population living alone, but especially our older female population. We know that there can be a lot of challenges related to social isolation. It has a major impact on physical and cognitive health. Any efforts to reduce social isolation amongst our older adult population, especially our population of older women, are very important.
I've been really interested and engaged in research on housing for older adults for many years now. For the last couple of years, I've been focused on housing that supports social engagement. There are some really interesting and innovative forms of housing. One of them is called co-housing. I'm not sure if it's something that many people in the room are familiar with.
There are some examples of co-housing in Canada. They are very rare on the east coast, where I'm from. They are more common in central and western Canada. They are a form of intentional community where people come together and choose to live in a community. The size can range. Often they are somewhere between 10 and 30 units.
In Canada, there are a lot of regulatory challenges to these kinds of communities developing, but they are very mutually supportive. People choose to live in community with other people where they own their own unit, which is often some kind of apartment, but they participate in looking after the needs of each other and looking after the needs of the community.
This form of housing can also promote health in many ways. There's also some evidence starting to show that it can increase the amount of time people can live in the community versus using higher levels of care.
Some work we're doing on co-housing in eastern Canada has been really interesting because the only real model that groups have in Canada is to use a condo kind of model in terms of organizing these communities. Not all older women have the financial ability to purchase a home. There's no funding in particular to support these communities. They are not really a form of affordable housing. They are simply at the cost of building housing today.
I would like to think about whether there are any ways to support innovations in housing, especially housing that promotes community, social engagement and connection, but there are a lot of financial and regulatory barriers to these kinds of things.
I will turn now to economic issues. Again, we don't focus enough on this, but there's a very large income gap between older men and older women, for various lifelong reasons, where a lot of older women today have spent a lot of time in very important, but often unpaid, labour.
Many older adults, and especially older women, arrive in later life where they only have access to old age security and the guaranteed income supplement for their income. We have a very large number of low-income older women in Canada.
There are a few challenges with some of the financial programs that we have available. It is good that we live in a country where we do have income support programs for older adults. Of course, this is a wonderful thing, but the maximum monthly payment for old age security today is around $600 a month, and the person needs to be a Canadian citizen or a legal resident for at least 10 years after turning 18. This does preclude some older adults, especially older immigrants to our country, from gaining access even to very basic amounts of money in later life.
The guaranteed income supplement for those who have very low income is almost $900 a month. For many older women that is the amount of money they have to survive on between the old age security and guaranteed income supplement.
I've also read some research showing that some people have challenges in accessing some of these forms of financial support, especially the guaranteed income supplement. I think we need to take a look at whether there is enough education around how to access these kinds of financial support programs in later life.
There's also a new Canada caregiver credit, which is a wonderful thing to have in our country. However, for people who are providing support to a spouse, a partner or another dependent person in their life, such as a child or a parent, again, this is a program that would—