50+ Lifestyles

Planning for Retirement

By Emily Martin and Samantha Craven
University of Missouri
martinem@missouri.edu or slctw4@mail.mizzou.edu

Retirement is often viewed as a time to relax, travel, participate in leisurely activities and spend time with family. However, for many older adults, chronic health problems and poor planning often hinder the enjoyment of retirement. Now, a University of Missouri researcher has found that planning for changes in lifestyle and health leads to better retirement for married couples.

Angela Curl, in the School of Social Work, found gender differences in how husbands and wives plan for and adjust to retirement. She says it is important for couples to plan for retirement, both financially and socially and to consider the changes that may occur in their relationships and day-to-day activities. Communication about retirement with each other and family members and friends makes it easier for couples to adjust to a new routine, Curl says.

“Any time a major life change happens, it is an opportunity for renegotiation of roles within a couple,” Curl said. “If a couple wants positive changes to occur in retirement, it is important for spouses to be intentional in negotiating and planning for activities that match their ideals, finances and current health status.”

In addition to planning for changes in routine and lifestyle in retirement, it is important to prepare for health problems that may occur later in life. Curl examined the effects of retirement on self-rated health and cardiac health among couples and found gender differences in how husbands and wives rate their health after retirement. Wives rated their health worse during the first few years of retirement, but their ratings improved in the long run. In contrast, husbands continued to rate their health worse the longer they were retired.

Husbands reported improved health when their wives retired. Retirement also reduced the risk of cardiac health problems in men, but had no effect on cardiac health in women.

“When wives retire, they may monitor their husbands’ health more closely, taking them to the doctor regularly and ensuring they lead a healthy lifestyle,” Curl said. “Women traditionally put the needs of everyone else before themselves, a behavior that could put their own health at risk.”

To ease the switch from full-time employment into retirement, Curl recommends a gradual transition to working less and maintaining some level of engagement in the workforce.

“There are a lot of health benefits to staying employed,” Curl said. “Working just a few hours each week can facilitate better health.”

Curl’s research examined preparing for retirement through dialogue with friends, coworkers and family members. Her study, “Retirement and cardiac health: A longitudinal, dyadic analysis” was presented at the annual meeting of the Gerontological Society of America. The study was funded by the Hartford Geriatric Social Work Faculty Scholars Grant. Curl’s study “A Multilevel Dyadic Study of the Impact of Retirement on Self-Rated Health: Does Retirement Predict Worse Health in Married Couples?” is under review.

View this news release on the Web at:
http://munews.missouri.edu/news-releases/2011/0621-planning-is-key-to-a-healthy-and-happy-retirement-mu-expert-says/
For more news, visit: http://munews.missouri.edu/