Perhaps it was the shock of getting my AARP membership offer in the mail recently, but I’ve been thinking a lot about our aging population. If you believe auto insurers will have it tough covering elderly drivers with failing reflexes, vision and hearing, imagine what challenges await workers’ compensation carriers as the Baby Boom generation goes bust!

The only consolation for underwriters might be that they are not alone. Unlike with coverage for individual drivers, insurers get to share the responsibility for limiting the hazards facing our exploding senior population with risk managers.

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