4 J. Retirement Plan. 30 (2001)
The Other Side of the Retirement Years: Cognitive Decline, Dementia, and Loss of Financial Capacity

handle is hein.journals/jrlrp4 and id is 30 raw text is: The Other Side of the
Retirement Years: Cognitive
Decline, Dementia, and Loss
of Financial Capacity

Daniel Marson,
JD, Ph.D.,
Laurie Zebley, B.A.

Daniel Marson and Laurie Zebley discuss the issue of loss
of financial capacity for older individuals with dementia,
including economic, psychological, clinical, and legal
Emily handled the family bank account for most of our married life
with little help from me, and she balanced the checkbook. Approxi-
mately two years back she could no longer handle the bank
account-this happened very quickly-she failed to make deposits
and enter the checks she had written. She now has no worry about
Mr. C, husband of Mrs. C,
a 69-year-old woman with mild Alzheimer's disease


2000 Daniel Marson and Laurie Zebley

The retirement years have tradition-
ally been viewed as a golden
period of life-a relaxing, enjoy-
able time when retirees are free to
travel, play golf, see grandchildren,
rediscover themselves and their
spouses-or even find new ca-
reers.' Recently, an extended
version of this model has been pro-
posed,    based   on    the
unprecedented longevity we are
now enjoying in Western societies.'
Certainly this retirement ideal
comes true in many cases, but in
an increasing number of cases, it
does not. There is a dark side to
the retirement years-the reality

that for many individuals and fami-
lies, these are years dominated by
cognitive decline, dementia, and
loss of everyday capacities. For
example, the incidence and preva-
lence of Alzheimer's-type dementia
From the Department of Neurology,
Alzheimer's Disease Research Center,
Center for Aging, and Department of
Psychology, University of Alabama at
Birmingham (UAB). Dr. Daniel Marson is
an Associate Professor of Neurology and
the Associate Director of the Alzheimer's
Disease Research Center at UAB.
Laurie Zebley is a medical psychology
graduate student at UAB.


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