Something under a third of the nation's elderly are living "the promise of the golden years [that is] traditionally anticipated," according to a new study, but almost half are managing to cope and 20 percent are genuinely suffering. The study, done for the Americana Healthcare Corp., dubs the three categories "enjoyers," "survivors" and "casualties." Rather than actual age, "three factors -- perceived good health and economic security plus having a spouse of equal physical capability -- predict more than anything else feelings of well-being and optimism among persons over 60," the report said. Enjoyers tend to report good-to-excellent health, household incomes above $8,000 a year, an equal spouse and better than high school educations. However, "Women make up less than half of this group, 46 percent, though they are 58 percent of the population," it said. Survivors are "managing to cope more or less successfully with the problems of old age" but cannot rely on all the advantages of the enjoyers. Women are 61 percent of this group. The casualties, 74 percent of whom are women, generally lack a physically equal spouse or financial security. Also, 70 percent of this group have less than a high school education.