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• W2051672990 abstract "To the Editor: The transition from work life to retirement is an event of profound importance for the life cycle of many individuals yet one that has received surprisingly little attention in the medical literature. People who enter the working world in early adulthood and leave it in their early 60s are likely to spend at least one-third as many years in retirement as they did at work, and the retirement years are far more likely to include serious manifestations of illness and disability. In general, the existing structure to prepare for retirement is limited. Individual employers may choose to offer some preretirement services to some of their workers, older workers will receive some mailings from the Social Security Administration, and some private organizations and businesses catering to seniors are likely to contact older workers seeking their membership or their patronage. Some Internet resources are now available as well, such as http://www.seniors.gov/retirement.html, but many workers will likely approach their retirement with little more guidance than their observations of the retirement of older coworkers, friends, and family members. Workers' plans for retirement are likely to still be in evolution as they approach possible retirement,1 and objective advice and guidance are likely to be especially useful to them in the periretirement period. One could argue that retirement is primarily an economic and social event and not a psychological or medical episode, but the reality is that the retirement process has multifaceted implications.2 Individuals may approach retirement with significant health problems, particularly if they lack health insurance coverage.3 Health problems may translate into involuntary early retirement and a heavy government burden of healthcare costs for the new Medicare enrollees who come into the system with advanced disease, conditions whose prevention or earlier treatment may have been deferred during late middle life in the absence of insurance. Individual health and government planning might both benefit if individuals approaching retirement age had the benefit of a comprehensive assessment of their health and of unbiased advice about and preparation for the life cycle changes of retirement. One possible model of such preretirement services might be a 2-week retreat at an elder hostel, retirement community, or college campus. Such a program could include workshops on the emotional and economic changes of retirement—workshops that both the prospective retirees and their spouses could attend. Educational or other charitable organizations could sponsor the workshops to assure that the content (especially on topics such as insurance and financial planning) remained factual rather than promotional. The retreat would also include coverage for a comprehensive geriatric assessment of the prospective retiree. This might be offered as a health benefit to all individuals with anticipated early (e.g., within 6 months) future eligibility for Medicare as a Medicare enrollment benefit and with no deductible for the professional services. The net long-term cost to the federal taxpayer is likely to be modest. There will be expenditures on professional services to some 64.5-year-olds who would not otherwise yet be eligible for Medicare coverage, but these individuals likely would have sought many of the same services from Medicare anyway when they reached 65. In addition, the 64.5-year-old who learns of new health problems may well address them right away using their workplace insurance, actually lessening the future burden on Medicare. The geriatric assessment might well uncover needs, such as for hearing aids or eyeglasses, that are not now covered by Medicare even for those aged 65 and older, but many of those screened might have workplace insurance that would meet such needs and so be able likewise to take advantage of that workplace coverage before they retire. In summary, moving into retirement is a major economic, social, psychological, and health event in the life cycle of many older Americans. Societal structures to prepare workers for this transition are surprisingly slim. Many workers would be better served by receiving a structured preparation in advance of retirement, rather than a retirement party and gold watch as they enter retirement unprepared." @default.
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• W2051672990 date "2003-03-01" @default.
• W2051672990 modified "2023-09-28" @default.
• W2051672990 title "PREPARATION FOR HEALTHY RETIREMENT" @default.
• W2051672990 cites W1977606764 @default.
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• W2051672990 doi "https://doi.org/10.1046/j.1532-5415.2003.51122.x" @default.
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