Gene Boyd enjoys waking up on his farm near Albany, Mo., and checking water for his 52 head of beef cattle—mostly Black Angus. In the spring, Boyd examines the soil for moisture content to see if it’s ready for planting corn and soybeans. None of his daily activities are unusual for farmers in this region. 
Except Boyd is 92 years old.

“I’ve always been independent,” Boyd said. “I like to get out and move around, look at the stock and see what’s going on.” When asked for the secret to his longevity, he cites examples of two neighboring farmers who moved to town—both died within a couple of years. “They’d always been active, and then they sat down. You’ve got to stay active.”

The age of America’s farmers continues to rise. Until around 1980, just 17 percent of farmers were age 65 or older, according to Laszlo Kulcsar, a demographer at Kansas State University. By 2007, the figure more than doubled to 37 percent, and will continue to grow as the baby boomers—those born after World War II and before 1964—start hitting age 65 this year.

Boyd’s age may be advanced compared to most farmers, but his drive to remain on the farm is common. “Farmers don’t think about retirement as much as those in other jobs,” said Kulcsar, an associate professor of sociology who leads an extensive study of retiring farmers.

Keeping it in the family

Last summer, the Kansas Agricultural Statistics Service helped Kulcsar by mailing surveys to 4,000 farmers over age 50 across the state. Some 1,500 surveys were returned—a higher than average return rate for the agency, which regularly gathers data from farmers for USDA.

The vast majority of farmers in Kulcsar’s preliminary results, gathered from 509 farmers aged 60 to 69, are married with children.
Boyd fits that mold, although his wife, Bea, passed away 11 years ago. “I don’t want to live in a nursing home,” Boyd said. “I’ve learned to take care of myself.”

One-third of farmers aged 60 to 69 responding to Kulcsar’s survey said they were in the process of retiring, but almost half don’t see it as urgent. Farmers usually age in place on the farm, partly because they don’t make a clean break from the workplace when they retire, as they would in an office or factory job.

Kulcsar found that most older farmers lack solid plans to keep their farms going in the future. Only 30 percent would seek retirement planning assistance from accounting, financial planning or other experts. Some 62 percent intend to keep the land intact, and most plan to keep it in the family.

But only 57 percent have a successor identified, and 42 percent have estate plans, although 14 percent more say they’re in the process.

“Farmers have a different notion of retirement,” Kulcsar said. “Many don’t have hobbies or anything to substitute for farming. It’s a slow transition. Many go from all-out to just half time. That can be good for a successor. On the other hand, farmers can’t let go.”
Boyd and Bea raised just one son, Gary, making for an easy decision on who will inherit the farm. A few years ago, Boyd turned over most responsibilities to Gary, who drives about an hour to the farm every weekend from his home near Kearney, north of Kansas City. Gary’s son, Steve, helps out with the cattle during busy times. The family plants and sprays crops and cuts hay, but hires custom combiners to harvest corn and beans.

Gary admits surprise at how long his dad has remained on the farm. “But he’s always loved to work,” Gary said. “He’s slowed down, but he runs the tractor and disks in the spring, and he rakes hay.”

Kulcsar speculated that farmers like Boyd continue on in their golden years because today’s equipment makes the work less physically demanding than in the past. Another reason that the average farmer’s age continues to rise is that farm kids are choosing not to farm. Like Gary, most move to the city to find a job. Gary works full time for a large paper carton manufacturer.
The average farm size is growing, and it’s harder to make a living on smaller parcels. Kulcsar’s farmers revealed that just 12 percent of their children are involved in farming—and Kulcsar’s definition was broad enough to include jobs like working at a farm elevator.

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Today, Boyd lives on income from the farm, Social Security, and investments. While the K-State research didn’t ask about rental income, many aging farmers depend on land rent payments. Boyd earned rent from acreage set aside in the Conservation Reserve Program until recently, when the federal contracts expired. The Boyds since planted those acres in crops.
Helping Boyd stay at home

Boyd may be independent, but his daughter-in-law, Ginny, and his grandson’s wife, Becky, help make it possible for him to stay at home. They keep him supplied in plated meals, and Gary delivers them each Saturday to make sure Boyd eats a balanced meal each noon throughout the following week.

“She sends me a lot of stuff I wouldn’t bother with, like carrots,” said Boyd, who describes himself as a meat, potatoes and bread man. “I’m more or less a fry cook. But they say I won’t cook what I need, so I eat what Ginny sends me.”
Boyd usually heats up oatmeal for breakfast, and fries bacon and eggs for supper. He drives to Albany to pick up groceries and other supplies. “I still drive my car and tractor,” he said. “I do whatever I want to do.”
Ginny works at a medical center near Kansas City where Boyd goes for health services. He takes some medications, and both of his knees have been replaced, but otherwise he doesn’t need much care.
Except for that time he had a “mishap” with the tractor.

One afternoon two years ago, Boyd was preparing a tractor with a pull-behind sprayer for Gary to use the following weekend. He thought he’d put the tractor in a gear that would prevent it from moving when he stepped off to replace the cap on the tank. But the tractor started moving. “It knocked me down and ran over me,” Boyd remembers.
Fortunately, the tractor sat near the house. Boyd crawled home and waited for Gary to call, as Gary does every evening on his drive home from work. Unfortunately Gary worked late and didn’t call until about 7 p.m.

“I told him ‘You’d better come and pick me up,’” Boyd said. “‘I’ve had a little accident.’” X-rays revealed a broken elbow, wrist and pelvis.

Boyd returned to the farm within a few weeks. But as it turned out, the tractor also damaged one of his artificial knees. He put up with the pain for a month and a half before replacing the knee again. He chuckles when he remembers the surgeon’s comment after the operation. “He said, ‘I don’t know how you walked in here,’” Boyd recalled.
As Gary said of his dad, “He’s a tough old guy.”

What Boyd teaches us?

What can Boyd’s story tell us about the future? We’ll see more knee surgeries like his, along with other medical procedures. According to the American Hospital Association, by 2030, the over-65 population will nearly triple, and knee replacements will be performed eight times more than they are today. By the same year, one in three seniors will be obese, and one in four will have diabetes. The caregiver shortage will increase across the nation, but rural citizens will benefit from emerging technologies that make it easier to deliver care in remote areas.

All of this means increasing costs for American taxpayers who fund Medicare—not to mention the added cost of Social Security—as many boomers may live even longer than Boyd. We can only hope that more of us remain active and healthy like him.

If you drive by Boyd’s place along Highway 85, chances are he’ll be watching out his window. “I see a lot of traffic,” he said. “I know most of them.” Once in a while, neighbors stop by to check on him, but Boyd doesn’t visit others much. When he’s not doing chores, he passes the time watching news and detective shows on TV. He doesn’t seem to mind being alone.

“There’s always somebody wanting to give me a dog,” Boyd said. He’s kept pets in the past, but without that responsibility, “If I want, I can go stay with the kids for a week.”

Kulcsar offers one more reason why farmers like Boyd live at home longer than people in other professions. “Farmers seem to value their independence more,” he said. “It could be that farming is already a good lifestyle.”

Boyd presents a living example of how to age at home independently. When his time comes, he plans to be on the farm. “I don’t worry about it,” Boyd said. “If they find me here one day, I was doing what I enjoy.”

How to get help

Thanks to his family, Gene Boyd doesn’t need much outside assistance. But help is available—even at a time when government budgets are strained and a growing number of seniors need services.

In Missouri, ten Area Agencies on Aging coordinate services for those age 60 and older, including transportation, in-home care and meal delivery. Other states operate similar networks. Most funds come from the federal government as a result of 1973 amendments to the Older Americans Act. Other contributions come from the state, from grant programs and, in some counties, from senior tax appropriations.

When we contacted Becky Flaherty, executive director of the Northwest Area Agency on Aging, she and her 13-member staff were helping seniors make decisions on Medicare drug benefits.

“The more rural you are, the less you need or want,” said Flaherty, who lives in Albany, population 2,000. “We have grown up being self-sufficient. More people raise their own vegetables, butcher their own meat, and if the grocery store closes at 8, they’ll be there by 8. It’s more than a place to live; it’s a lifestyle.”

Rural areas like Albany, with low housing costs, can attract retirees. In fact, Flaherty sees retirees moving back home to take care of their aging parents. Here, folks sometimes scrape by on Social Security payments of $700 a month. For most Missourians, Social Security makes up just one third of all income. Farmers often bring in added earnings from commodity sales or land rent, but they face special challenges. “They’re often cash-poor but asset rich, so they don’t always qualify for programs,” Flaherty said.

Flaherty’s agency covers 18 counties from St. Joseph to the smallest burgs. In rural places, even the oldest don’t give up driving easily. “In many small towns, you may see tractors on the square, driven by farmers or others who have lost or given up their licenses,” she said. “Transportation is a big issue. With some limitations, we’ll pick you up on the farm and take you where you need to go.” Buses carry seniors to the grocery store or library, and volunteers drive you to medical care.
Flaherty, who manages a $5 million annual budget, admits to funding concerns. “There’s not enough dollars,” she said. “As boomers age, that’s a pipe dream, so we’re designing model projects that encourage cities and counties to assess what they already have. My organization then tries to fill in the gaps.”

Many groups offer assistance, but few know all the services available. In Albany, community and church leaders, Extension representatives and others recently formed Visionary Partnership for a Rural Community and put together a resource guide for Gentry County.

The same group organized Albany’s Helping Hands to recruit volunteers to help with things like mowing, weatherizing houses, cleaning gutters and raking leaves. “People in rural communities are willing to help, but sometimes don’t know how,” she adds. “Our goal is to encourage neighbors to take care of each other again.”

For more information, call your local Department of Health and Social Services, or visit dhss.mo.gov/AAA/index.