This subject has been covered at length in other threads but much of the information is old. It is helpful to have more current reports, so thank you!
Sea Org members are subject to Fitness Boards which determine ongoing eligibility based on criteria such as performance, ethics actions, affiliation with hostile persons or groups, debts, medical condition, etc. According to this article the Policies regarding Fitness Boards has been revised several times but I expect they are difficult to find as the detailed procedure for offloading the sick and elderly could prove embarrassing:
http://www.wiseoldgoat.com/papers-scientology/hubbard_vs_freeloaders.html
I expect they have become adept at transitioning elderly offloads onto public services out of a need to avoid negative PR.
One thing about recruiting young people is they may not have had to deal with issues such as Social Security, Healthcare, Retirement Plans, Taxes or even the realities of paying their own rent, maintaining resumes or marketable skills, etc. They may not know these subjects even exist or how to ask the pertinent questions and then they live in an insulated environment where they do not have access to the internet, material or people who can educate them. Even if they did, if they are working 100-130 hours a week they may not have the time or energy to pursue it.
Idealistic college students transition straight from a subsidized life into the Sea Org and then 50 some odd years later they get Fitness Boarded. Young people often have little concept of how important proper utilization of their most productive years are towards establishing the means for independent retirement and can trade it off cheaply. Young people also discount the need to function as part of a family unit in order to provide mutual logistical support so not only are the elderly Sea Org members often completely dependent but their elderly parents may have also suffered for lack of an adult child's care and support.
If a Sea Org member is willing to disconnect from and abandon their own parents and family on the basis of something as arbitrary as an SP Declare then why should anyone expect them to be concerned with each other's retirement package?