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RETIREMENT: THE PUSH TO LEAVE WORK
Unfortunately, not everyone who retires early leaps happily to embrace the leisure life. ”Health problems” are high on the list of reasons retirees give for leaving work early. Figures from the Retirement History Survey underline that people who retire early do tend on average to be less healthy. Early retirees were more likely to visit the hospital in the year before they retired than their co-workers who retired at the normal time.
An underground factor also pushes people to leave work early: age discrimination. Because age discrimination is against the law, it is difficult to prove how prevalent it is among people already working. What can be measured are the variations in hiring rates when older and younger employees are out of work.
Older people are less likely to be rehired after industry layoffs. This is true not just for blue-collar workers but for people looking for high-status jobs. In fact, it typically takes unemployed older workers almost twice as long to find new jobs as people starting out. According to 1984 statistics, whereas job seekers aged twenty to twenty-four were out of work on average for 16 weeks, the mean length of unemployment for people aged fifty-five to sixty-four was 26.2 weeks.
The official unemployment figures for older people are low. But experts agree that these statistics minimize the gravity of the problem because they measure only people actively seeking work. Many older people who are out of work probably get discouraged, abandon the job search, and opt for early retirement. In a recent review, experts estimated that unemployment may be the first step to early retirement for as many as one man in five.
Although we do not have hard statistics on its extent, on-the-job age discrimination is probably not rare either. In fact in a 1978 Harris poll, when employers in a variety of industries were questioned, 87 percent agreed that it was common. Because it is against the law, most discrimination against older workers probably takes a subtle form – not offering an expected raise or promotion, stripping an employee of some responsibilities. When faced with these tactics, many older workers may “voluntarily” choose early retirement to save their pride.
According to Peter Strauss, a New York attorney specializing in legal issues that affect the elderly, the extent of age discrimination in the workplace looks more minor than it is because of the legal system too. The money awarded for winning an age-discrimination suit is small – the few years of salary a worker would have earned by staying on the job until the normal retirement time. So malpractice lawyers tend to be reluctant to take on age-discrimination cases rather than more lucrative ones. A victim of even clear-cut discrimination who consults a lawyer may be advised not to go to court. And retiring a few years early instead of wasting years in litigation often does seem the practical course.
In summary, the legions of early retirees defy categorization. They range from the company president eager for a second career as a skydiver, to the factory hand whose bad back forces retirement, to the manager eased out by having some responsibilities taken away. Because late retirement is much less typical, it tends to attract a more homogeneous crowd.
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