Passages of Retirement: Personal Histories of Struggle and Success

By Richard S. Prentis | Go to book overview

10
Early Retirement Offers

Whatever the basis for your decision to retire, the increase in early retirement offered by employers is worth reviewing in view of business consolidations and large-scale personnel reductions.

Suppose your boss came to you one day and said, "We are going to offer you early retirement." How would you react?

Early retirement offers vary as to the specifics, but often consist of a flat amount of money or a percentage of one's regular salary to the age of 65.

Most early retirement offers are sudden and unexpected. Although the decision to accept or decline appears voluntary on the part of the employee, often the reality is that there will be a change in job status. If the employee declines the company's proposition, he or she may expect the loss of their job or a demotion in work grade and income.

The concerns of workers who receive offers of early retirement leave little doubt as to their feelings and attitudes to this sudden turn of events. While many people state they look forward to early retirement prior to age 65, they have not been confronted with the fact by their employer. On one hand, the employee views the option of retiring early as desirable, a time of life without the burden of work, but when the choice of working or retiring is removed and decided by the employer, all real and imagined concerns come to the surface.

Would you be prepared if you received an early retirement offer? Do you have confidence about the future in getting another full- or part-time job, or accepting retirement?

-49-

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