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Tips to Help You Extend Your Employment


It’s good to have a game plan and a timeline to guide you through the final years of your employment. Here are some tips.

  1. Have a chat with your human resources department.
    If you have a certain plan in mind in terms of how long you are going to stick with your current job, make sure your HR department knows. Even if you’re not sure how things will work out, they can help you sort out many of the details.
  2. Remain open to a change in plans.
    If your current employer has been making plans based on when they think you’re going to retire, but you want to stick around, this may complicate things. Find out whether you might be able to work on other assignments or special projects if your employer has already decided to transition some of your responsibilities to others.
  3. Network. Network. Network.
    Networking is key. Make sure you build your social and professional network, so that you have some connections and potential job leads in case staying with your current employer is not an option. If you’re not on it already, sign up with LinkedIn to make connections online and get recommendations from people you’ve worked with in the past.
  4. Pay your knowledge forward.
    Get involved with mentoring and cross training. You have tons of experience and knowledge to pass along to others. Offer to become a mentor to a younger employee (or even someone outside of your workplace), or to help cross-train someone from a different department. This will demonstrate your value to both your current employer and potential future employers.
  5. Use your age to your advantage.
    There’s no substitute for experience. Rather than getting defensive and feeling like you’re at a disadvantage competing with all the fresh-faced college grads, focus on all the good things your age brings to the table. You’re experienced, you’ve proven you can adapt to a constantly changing work environment, you’ve had more time to hone your communication and leadership skills...the list goes on.
  6. Explore a new career.
    Why not? Just because you decide to postpone retirement doesn’t mean you have to keep working the same job you’ve had for the past 40 years. Now is your chance to try something totally different. According to the 2015 CareerBuilder Annual Retirement Survey, of the 54% of senior workers (age 60+) who say they’ll work after retiring from their current career, 81% say they’ll most likely work part-time, while 19% plan to continue working full-time. Customer service, retail and consulting are the three most popular third-act careers. For more ideas, see 10 Money-Making Jobs for Retirees.


Retiring on Your Own Terms Brings Benefits

While many people count the days until they can say goodbye their jobs forever precisely on their 65th birthday, more and more people are choosing the option of retiring when they’re ready. And on their own terms.

If that sounds like you, congratulations! There are plenty of reasons to work into your late 60’s – including a few surprising ones you may not have considered:

Life Expectancy

Many studies, in fact have shown that working longer may increase your life expectancy. One study published in the Journal of Epidemiology and Community Health found that working only one additional year after age 65 was associated with an 11% lower risk of mortality, leading researchers to suggest that “prolonged working life may provide survival benefits among US adults."

Social Interaction 

Research also suggests a job you don’t like can still be better than no job at all. “Even disliked colleagues and a bad boss are better than social isolation because they can provide cognitive challenges that keep the mind active and healthy,” according to an article published by the National Bureau of Economic Research.

While it is possible to keep your brain active in retirement, it becomes a lot harder without the workplace to provide you with a ready-made source of social interaction and mental challenges.


For most of us, however, finances remain the single most important factor in determining when we will retire. Once you factor in the costs of healthcare, long-term care needs, inflation and other unexpected expenses, working until age 70 might become the new normal.

Working Past 65 Pays Off

Consider the five financial benefits of delaying your retirement a little longer.

Page updated 10/1/2017