Can i work beyond retirement age

Cookies on GOV. UK We use some essential cookies to make this website work. Accept additional cookies Reject additional cookies View cookies. Hide this message. Part of Plan your retirement income: step by step.

Working after State Pension age. Step 1 : Check when you can retire. Check what age you can get your State Pension You are currently viewing: Find out about working after you reach State Pension age Find out if you can retire early with your workplace or personal pension.

Step 2 : Increase your pension. Find out about delaying your pension For advice about increasing your workplace or private pension, speak to a financial adviser. Find a financial adviser through Unbiased. Step 3 : Check what other financial support you could get. Check what financial help you could get if you: are on a low income need help paying your rent need help paying your heating bill are claiming benefits and the weather is cold are disabled You can also get free bus travel if you: apply for a bus pass.

There are benefits for your employer too. Employers also benefit from having older employees, who can bring a wider range of experience to their workforce and pass on skills to younger workers. Once you reach State Pension age, you have three options. You could:.

If you decide to delay claiming your State Pension, you may get more money for every year you defer. Deferring a private pension may not be so beneficial.

You should get independent financial advice before making any decisions about what to do with your pension pot if you have one. You can find an adviser through the Society of Later Life Advisers. Working can also affect your entitlement to means-tested benefits, such as Pension Credit , as the amount of income you get from working may affect whether you qualify. Deferring your State Pension can also affect how much you can receive in benefits. Call our free Helpline on and arrange to speak to an adviser if you need more information.

You may have to pay income tax depending on how much you earn. You can find more information on Gov. If you decide to stay on, there are benefits to your employer. This would allow you to organise your hours to suit you — for example, to fit in around caring responsibilities or to give you time for other things. You might also want to consider self-employment. Their members offer advice, support and training on starting or developing a small business.

First, this study confirms that the decision to work beyond retirement is driven by multiple factors. Accordingly, policies and interventions to stimulate prolonged working lives should focus not only on the financial incentives, but also on the diversity of other factors. Future research is needed to determine how all dimensions and motives might interact for working beyond retirement. Since being in good health was another important precondition for remaining in the workforce, in the context of policies to increase the statutory retirement age, future research is needed to gain more insight into how recent reforms may influence work participation among the large group of older workers with less than good health.

This was the first study in the Netherlands to demonstrate that various preconditions and motives influence working beyond the retirement age. The second major finding was that the domains of health, work characteristics, skills and knowledge, social factors, and financial factors from the STREAM research framework are applicable for working beyond retirement age. Furthermore, an additional domain, purpose in life, arose from the interviews.

Taken together, this knowledge could contribute to the development of work-related interventions that enhance a prolonged working life in older workers, such as increased work accommodations e. Wheaton F, Crimmins EM.

The Demography of Aging and Retirement. In: Wang M, editor. The Oxford Handbook of retirement. New York: Oxford University Press; Google Scholar. Centraal Bureau voor de Statistiek: [Prognosis population; key figures —].

Rijksoverheid: [Law proposal accelerated increase in state pension age]. Centraal Bureau voor de Statistiek: [Increasing pension age for the ninth year] Job seeking among retirees seeking bridge employment. Pers Psychol. Article Google Scholar.

Bridge jobs: a comparison across cohorts. Res Aging. Kromer B, Howard D. Labor force participation and work status of people 65 years and older. Census Bureau: United States; Centraal Bureau voor de Statistiek: [Labor participation; the elderly] A life course perspective on working beyond retirement: results from a longitudinal study in the Netherlands. BMC Public Health. Retirement patterns from career employment.

The Gerontologist. Article PubMed Google Scholar. Examining retirement from a multi-level perspective. Aging and work in the 21st century. Mahwah: Erlbaum; Kim S, Feldman DC. Working in retirement: The antecedents of bridge employment and its consequences for quality of life in retirement. Acad Manag J. Atchley RC. A continuity theory of normal aging.

Br J Med Med Res. Consolidated criteria for reporting qualitative research COREQ : a item checklist for interviews and focus groups.

Int J Qual Health Care. Patton MQ. Qualitative research and evaluation methods. Thousand Oaks: Sage Publications Inc; How many interviews are enough? An experiment with data saturation and variability. Field Methods. Braun V, Clarke V. Using thematic analysis in psychology. Qual Res Psychol. Pope C, Mays N. Qualitative research: rigour and qualitative research. Br Med J.

Kitzinger J. Qualitative research: Introducing focus groups. Netspar Discus Pap. Pathways through which health influences early retirement: a qualitative study. Pond R, Stephens C. Alpass: How health affects retirement decisions: three pathways taken by middle-older aged New Zealanders.

Ageing Soc. Extending employment beyond the pensionable age: a cohort study of the influence of chronic diseases, health risk factors, and working conditions. PLoS One. Older workers and bridge employment: Redefining retirement. J Employ Couns. Health, job characteristics, skills, and social and financial factors in relation to early retirement - results from a longitudinal study in the Netherlands.

Scand J Work Environ Health. Lusardi A, Michell OS. Baby boomer retirement security: the roles of planning, financial literacy, and housing wealth. J Monet Econ. McMichael AJ. Int J Occup Environ Med. Download references. The authors would like to thank Arnela Suman and Rianne Hoek for their help during the focus groups.

Lennart G. You can also search for this author in PubMed Google Scholar. The first author RS participated in drafting the article. All authors read and approved the final manuscript. Furthermore, informed consent was obtained verbally from the participants of the telephone interviews, and written informed consent was obtained from the focus group participants. Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.

Reprints and Permissions. Sewdas, R. Why older workers work beyond the retirement age: a qualitative study. BMC Public Health 17, Download citation. Received : 16 December Accepted : 09 August Published : 22 August Anyone you share the following link with will be able to read this content:.

Sorry, a shareable link is not currently available for this article. Provided by the Springer Nature SharedIt content-sharing initiative. Skip to main content. Search all BMC articles Search. Download PDF. Results The most important motives for working beyond retirement age were maintaining daily routines and financial benefit. Conclusion This study offers important new insights into the various preconditions and motives that influence working beyond retirement age.

Background In the Netherlands and many other Western countries, the population is ageing rapidly due to lower fertility rates, longer life expectancies and maturing baby boomers [ 1 ].