… Step 1: Understand the dynamics Tomás is a 74-year-old retired payroll clerk. His monthly income of EUR 850 is … multiple care needs. In Spain, 16 % of men are over the age of 65, as are 31 % of women. The average life expectancy … for Economic Co-operation and Development (2017), Pensions at a Glance 2017: Country profiles — Spain, OECD, …