Bilbo had the Ring for 50 years, was less affected by it because of his wonderful Baggins nature, and it still took him 20 years after losing it to become truly old.
Gollum had the Ring for more than 500 years, was absolutely possessed by it, and had been seperated from it for only 70 years (a much smaller percentage when you compare it against Bilbo). With such 'mutations' by the Ring, if he could have survived so long without it (and assuming it remained in existence), Gollum might have taken more than 200-300 years before the Ring's effects wore off to the point where he aged so much.
*** Do not confuse the movie aging of Bilbo with that of the books. In the movies, Bilbo fell apart in the span of seemingly only a few months.... and a year later he was almost dead. ****
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The Barrow-Wight
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