Our study found that subjective aging in instrumental activities of daily living is high across all age groups and increases with age, even in the presence of healthcare accessibility and healthcare resources. Furthermore, we found that females had a higher rate of IADL and cognitive impairment, which may be due to females having a longer life expectancy.
These trends in the evidence appear to be not influenced by the presence of both healthcare access and resources for these study participants who were on Medicare, a US federal and state health insurance program for people over 65 years of age and those with chronic illness and disability.
Our unique finding is an explanatory model indicating the “doughnut effect” of higher subjective aging in IADL at older-old (80–89 years) compared to the middle-old (71–79 years) and oldest-old (above 90 years old). (see Fig. 2). Previous studies predicted subjective aging on increasing age associated with comorbidities, health problems, living alone or being single, and SCD, which increase with age [19]. In theory, cognitive reserve would be higher among the middle -old and the older-old compared to the oldest-old, so their subjective aging statuses in activity limitations would be incremental with aging [20]. Contrary to what we found in this study; the expectation would be for subjective aging to be higher with increasing age (middle- old to oldest-old). This may be because some of the improvements in old-age functioning might reflect the operation of changes impacting the older-old more than the middle-old and oldest-old.
However, those in the older-old cohorts (81–89 years) may be adjusting to transitions in their instrumental activity limitations with more challenges than the middle-old (70–79 years) and the oldest -old (90 years and above) who may be fully adjusted to those limitations [21]. The older-old (80–89 years) may be experiencing new health conditions for which they received considerable marketing from service providers to prolong their health function, which would lower their overall sense of subjective aging. Hence, while the availability of healthcare resources can potentially contribute to how older adults successfully address subjective aging [22], our findings caution against the assertion that in-creasing age would linearly predict health outcomes for older adults according to age-cohort effects.
Our study findings of lower subjective aging in instrumental activities of daily living by age cohort is at the explanatory model level comprising SCD (as a proxy measure of subjective aging), healthcare accessibility, health resources, and socio-demographics of age and gender. Our model can be replicable in a similar population demographic from its strength of associations of instrumental activities of daily living based on a cluster of predictors rather than one premised on a single predictor variable. This study examined data from a nationally representative cohort of older US adults to determine the mediation role of healthcare resources and the moderating role of healthcare access in the association between SCD and IADL among different old age cohorts. The results of this study suggest that when SCD increases, IADL difficulties also increase with higher impact at older-old age. Conceivably, the capacity to carry out laundry, shopping, manage their finances and take prescribed medication independently may be challenging to the older-old transitioning from the middle-old age cohort, of which the oldest-old would be more accustomed. This effect would apply even in the presence of healthcare access and healthcare resources.
For the middle-old cohort (70–79 years), SCD significantly predicts IADL directly and HCR does not mediate the relationship between SCD and IADL. For the older-old cohort (80–89 years), neither SCD nor HCR significantly predicts IADL directly or indirectly through HCA (See Fig. 3). This could be due to increased dependence in older adults which is associated with hospitalization and admission to long-term care facilities, an increase in morbidity and mortality from diseases and a decrease in quality of life. Additionally, there are no significant interaction effects between SCD and HCA or between HCR and HCA on IADL. Therefore, the moderation-mediation analysis does not provide evidence of a significant relationship between these variables in predicting IADL. This lack of HCR and HCA effect could be explained by the fact that NHATS participants are all Medicare enrollees and would be comparable in their health resources and access un-der that federal and state program for all people over 65 years old including those with limited resources and income. Nonetheless, the oldest-old cohort with more consumption in HCA and HCR and SCD in IADL (See Fig. 4), a population with fragile health function [23]. IADL impairment continually declined across age cohorts.
Implications for Theory, Research, and Practice
Our study findings represent a valuable extension of the existing body of literature on cognitive reserve diminishing at older ages and the related everyday challenges, such as difficulties with instrumental activities of daily living would compound and worsen with poorer access to timely healthcare and healthcare resources. By implication, IADL-targeted support interventions are needed for older age adults transitioning from the middle-old (71–79 years) to oldest-old (80–89 years) for improved subjective aging at older ages. Older adults lacking sufficient support transitioning between different old age cohorts may be more susceptible to physical and psychological distress [21], which can remarkably impact their ability to carry out instrumental activities of daily living.
The findings of our study suggest the practical benefit of aging well from access to health resources likely alleviating emotional burdens experienced by older adults, especially when they perceive SCD as a natural aspect of aging [24]. Discussing their concerns with healthcare providers could facilitate the necessary assistance and improve well-being [24]. For instance, efforts to enhance healthcare access for older-old adults should be initiated and continue into older-old ages as the benefit may be higher among oldest-old ages than the middle-old and older-old ages at which the returns may diminish with the onset of significant cognitive decline. These efforts need to include carers of the older adults for personalized support to mitigate the risk of poorer wellbeing from subjective cognitive de-cline in instrumental activities of daily living compared to the younger and older-old cohorts.
Strengths, Limitations of the Study and Future Directions
A strength of the study is that its results are nationally representative of the Medicare-eligible population in the US 70 years and older. Accounting for the role of behavioral and environmental adaptations offers a more nuanced examination of disability than many prior investigations. Additionally, findings from this study suggest the need for interventions to optimize functionality and cognitive performance and promote functioning across the activity spectrum to maximize independence and optimal aging for a growing population of older adults with subjective aging and difficulties in IADL.
There are limitations to this study. First, this study utilized self-report data from the secondary dataset (i.e., the 2021 round 11 NHATS dataset). A smaller sample size obtained among the oldest-old group compared to the middle-old and older-old could make for less confidence in the analysis of the findings on the oldest-old age cohort. Additionally, our study exclusively included older adults with Subjective Cognitive Decline (SCD), potentially limiting the generalizability of mediation and moderated mediation findings to older adults without SCD. For instance, partial mediation may be explained by healthcare resources-related factors not directly measured by the NHATS and have a substantial impact on subjective cognitive decline in instrumental activities of daily living [25].
Furthermore, the National Health and Aging Trends Study (NHATS) may display an unknown healthy participant bias, leading to an unavoidable potential for underestimating or overestimating the effects of subjective cognitive aging we report in this study. Future studies should utilize self-report and observational data to generate more valid findings, and practitioners who work with clinical aging populations with SCD often co-exist with various psychosocial symptoms [26], which may not be accounted for in this study. Future studies should consider other co-occurring morbidities and other potential psychological variables influencing SCD in the study model.