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Understanding Your Chances: What are the odds of living to 90 in Canada?

5 min read

According to a 2021 actuarial study, about half of Canadian 20-year-olds in 2019 are expected to live to 90. This comprehensive guide explores what are the odds of living to 90 in Canada, breaking down the statistics and influential factors.

Quick Summary

The likelihood of reaching 90 in Canada is rising, with around 50% of 20-year-olds in 2019 projected to do so, heavily influenced by gender and lifestyle choices. Future generations are expected to have even better odds.

Key Points

  • Half of Canadian Adults Reaching 90: As of 2019, approximately 50% of Canadian 20-year-olds were expected to live to age 90, a figure influenced by gender and lifestyle factors.

  • Women Have Better Odds: Females consistently have a higher life expectancy and greater odds of reaching advanced ages than males in Canada.

  • Lifestyle is Key: Healthy habits like proper nutrition, regular exercise, adequate sleep, and strong social connections are critical determinants of a long and healthy life.

  • Chronic Disease is a Major Hurdle: Managing common chronic conditions such as heart disease, cancer, and hypertension is essential for extending healthspan and lifespan.

  • Support Systems Are Crucial: A growing senior population places greater demand on home care and other support services, highlighting the need for robust planning and access.

In This Article

Canadian Longevity Trends and Projections

For many Canadians, living into their 90s is becoming an increasingly common reality rather than an exception. While the average life expectancy for the country hovers in the early 80s, these population-wide figures don't tell the whole story of individual potential. Actuarial projections, like those from the Office of the Superintendent of Financial Institutions (OSFI), offer a more detailed look at the odds of advanced longevity.

In 2019, approximately five out of ten Canadians aged 20 were expected to live to age 90. Projections look even more favourable for those born more recently. A baby boy born in 2021 is projected to have a 55% chance of living to 90, while a baby girl has a 64% chance. These optimistic figures reflect decades of improvements in healthcare, public health, and living standards. However, it's not a guarantee, and individual circumstances play a huge role.

Influential Factors in Reaching 90

Reaching a milestone like 90 is a complex interplay of genetic predisposition and a multitude of lifestyle and environmental factors. While you can't change your genes, you have significant control over many other aspects that affect your longevity.

Lifestyle and Personal Habits

Lifestyle habits are among the most powerful determinants of a long and healthy life. Research consistently shows a strong link between daily behaviours and overall health outcomes.

  • Diet and Nutrition: Consuming a balanced diet rich in fruits, vegetables, and whole grains significantly lowers the risk of chronic diseases like diabetes and heart disease, which are major causes of death in Canada. Conversely, diets high in ultra-processed foods can have detrimental effects.
  • Physical Activity: Regular, moderate-intensity exercise—around 150 minutes per week—is proven to reduce the risk of heart disease, stroke, and diabetes by a significant margin. This includes simple activities like walking, dancing, or gardening.
  • Sleep: A consistent sleep schedule of seven to eight hours per night is associated with a longer lifespan. A significant portion of Canadian seniors report issues with sleep, which can negatively impact overall health.
  • Smoking and Alcohol: Quitting smoking and moderating alcohol consumption are critical steps for increasing longevity. Excessive alcohol use is a modifiable risk factor for many chronic diseases.
  • Social Connection: Social isolation is a serious risk factor for chronic disease and premature death, comparable to obesity and smoking. Staying socially engaged is vital for both mental and physical health.

Healthcare and Disease Management

Access to quality healthcare and effective management of health conditions are fundamental for increasing life expectancy, particularly as individuals age. The presence of a regular healthcare provider is linked to better overall health outcomes.

  • Preventative Care: Regular health checkups, screenings, and vaccinations are crucial for detecting and managing health issues early. The Manulife Vitality program, for instance, encourages this through incentives.
  • Chronic Disease Management: With chronic diseases like hypertension, heart disease, and diabetes being highly prevalent among older Canadians, effective management is key to maintaining quality of life and extending healthspan.
  • Mental Wellness: Anxiety and depression are not normal parts of aging and require proper management. Mental and physical health are intricately connected.

Socioeconomic and Geographic Factors

One's location and financial status can also impact longevity. Socioeconomic status influences lifestyle choices, access to healthy food, and housing quality. Geographic location can affect access to healthcare services, with rural areas often having lower life expectancy due to reduced access to facilities and providers.

The Role of Senior Care and Support Systems

Canada's senior population is growing faster than the rest of the population, placing increasing demand on senior care infrastructure. Support systems are critical for maintaining the health and independence of older adults.

Home Care vs. Collective Dwellings

As people age, their needs for support can change. A significant and growing number of Canadians aged 85 and older live in collective dwellings like seniors' residences and nursing homes. However, many more wish to age in place, which necessitates robust home care options. While home care use is growing, unmet home care needs are a concern, particularly in some provinces and lower-socioeconomic urban areas. Higher socioeconomic status is often associated with better health and lower unmet care needs.

Comparing Life Expectancy and Longevity Factors

Feature Average Life Expectancy Odds of Reaching 90 Key Influencing Factors
Canada (Current) ~82.7 years (2025 estimate) ~50% (cohort analysis from 2019) Lifestyle, healthcare access, income, location
Canada (Future Projections) Expected to increase Higher odds for newborns (e.g., 64% for females by 2100) Continued medical advances, public health improvements, societal changes
Males vs. Females Men ~80.5 years; Women ~84.9 years (2025 estimate) Men have lower odds than women Biological factors, lifestyle differences
Key Risks Cardiovascular disease, cancer, COVID-19 Chronic diseases, social isolation, poor lifestyle habits

Steps to Improve Your Odds

Taking proactive steps is the most effective way to improve your chances of living to 90 and beyond, with a high quality of life. Here are some actionable steps:

  1. Prioritize Regular Physical Activity: Aim for at least 150 minutes of moderate exercise per week. Integrate movement into your daily routine, whether through walking, gardening, or chair workouts.
  2. Focus on Balanced Nutrition: Emphasize a diet rich in fruits, vegetables, whole grains, and lean proteins while minimizing processed foods. Monitoring your eating habits can be a powerful tool for change.
  3. Foster Social Connections: Actively seek out social engagement, as loneliness and isolation pose significant health risks. Volunteer, join clubs, or spend quality time with friends and family.
  4. Stay on Top of Your Health: Schedule regular checkups and screenings with your healthcare provider. Manage existing chronic conditions effectively and adhere to prescribed medication and treatments.
  5. Invest in Your Mental Wellness: Practice mindfulness, engage in brain-stimulating activities, and don't hesitate to seek help for persistent low moods or anxiety.

Conclusion

While a 50% chance of a 20-year-old reaching 90 might seem high, it's important to remember that these are population-level statistics. A combination of good genes and diligent lifestyle choices significantly improves an individual's personal odds. By focusing on preventative health, maintaining strong social connections, and making wise lifestyle choices, Canadians can take concrete steps towards a longer, healthier, and more fulfilling life. The aging population presents both challenges and opportunities, and proactive engagement with one's health is the surest path to maximizing longevity.

For more detailed information on chronic diseases affecting Canadian seniors, consult the Public Health Agency of Canada at Aging and chronic diseases: A profile of Canadian seniors.

Frequently Asked Questions

In 2025, the average life expectancy for Canadian men is estimated to be around 80.5 years, while for women it is approximately 84.9 years. This reflects a long-standing trend where women outlive men.

Yes, research indicates that socioeconomic factors like income can influence health outcomes and longevity. People in higher income quintiles often have healthier habits and better access to preventative care than those in lower quintiles.

Yes, lower life expectancy is often more prevalent in remote or rural areas. This is potentially due to reduced access to healthcare facilities and higher rates of certain health risk factors.

While genetics do play a role, lifestyle and environmental factors have a more significant influence on whether an individual reaches advanced old age. Healthy habits can even activate genes that support longevity.

Common health issues among older Canadians include hypertension, osteoarthritis, ischemic heart disease, and diabetes. Many face multiple chronic conditions (multimorbidity).

To improve your odds, focus on key lifestyle factors: maintaining a healthy diet, getting regular exercise, ensuring adequate sleep, staying socially connected, managing stress, and having regular medical checkups.

The rapid growth of the senior population, particularly those aged 85 and older, is increasing demand for health and home care services, putting pressure on Canada's healthcare infrastructure.

References

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Medical Disclaimer

This content is for informational purposes only and should not replace professional medical advice. Always consult a qualified healthcare provider regarding personal health decisions.