Are You Working Past Retirement Age?

So….how’s everyone doing? Are all my contemporaries retired? Am I the only one left? Come on guys throw me a life-line. Nurses General Nursing Article

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I've been thinking a lot about getting older (and older) recently. For me, nursing was a second career. When I graduated from high school, I immediately started nursing school because that's what you did in the 70's. However, about 18 months later, I realized I hated it and didn't want to continue with all the work. To be honest, I was very lazy and saw no reason to put in the effort that nursing required. Hmmmm...what to do? Well, I joined the USN and shipped out two days later. Didn't bother quitting the classes either so ended up with  <1.0 GPA. Along the way, I got married, had a couple of kids and worked several jobs. However, even I couldn't take the easy way out for my entire life. 

At 32, I decided to try nursing school again. Not easy with such a lackluster GPA, two young kiddos and a husband that was deployed.  However, I never do anything the easy way - LOL.  I was on academic probation the first year.  I completed an LPN certificate, then an ADN, a few years later BSN, then MSN then a couple of post-MSN certificates. I even started a DNP program but quickly realized that wasn't the route for me.  

I've been so fortunate in my nursing career to work with some fantastic people: other nurses, staff members, supervisors and colleagues. I loved the level one trauma center ED where I worked for 10 years, most of the time on night shift. The never-ending parade of patients with complaints ranging from minor to major trauma. I truly thrived in that environment - it forced me to be on my toes every minute of my 12 hour shift. So many good times yet so much sadness, the abused kiddos were always the hardest patients. You ED peeps know what I'm talking about.

After I became an APRN, I was very fortunate to land a great job in a large nephrology practice where I've been for the past 15+ years. Again, I am so lucky to work with some of the most passionate, compassionate, intelligent APRNs. My physician-colleagues always welcome questions and provide insight into patient care issues. As an APRN, while the job is much less physically taxing, it is MUCH more stressful mentally and emotionally:

  • Decisions about patient care that have possible dire consequences
  • Potential for errors
  • Conducting family meetings to discuss end of life care
  • Signing DNR forms

I joined AN in 2000 and was quickly hooked. I love AN. As it has evolved, so have I. Members come and go as have I. I've been fortunate to meet so many members over the years at conferences. The staff members that run AN are tops in the industry - they truly care for the vision of AN and guide it through the ups and downs of our world.

What's the point of all my ramblings? Am I going to announce my retirement? Nope, not yet. I'm working past "retirement" age. 

I would like to hear from others, like me, that for various reasons continue to work past "retirement" age. Why do you continue? Finances, family situations? Or something else? What keeps you going? 

If you've read this far, thanks.

I screwed up badly and switched from the private sector to the public sector with 22 years in. I wasn’t told at the time I could opt out of the pension program and remain in SS. I’m 56 (almost 57)and have to work a minimum of 20 years for my pension. I have 5.5 years left but if I work an additional 5 years the difference in my monthly is significant. If I work an additional total of 7 years it’s even bigger. So it looks like I’ll be working until I’m at least 68. Not at all happy about it. Being single doesn’t help. 

4 hours ago, abixxy said:

I have thought about this many times, having worked in the field for 16 years I have seen many floor nurses that are 60+. and administration RNs that are 70+.

 

I liken their ability to work well past retirement to their advanced earning potential and most certainly, their knowledge base.

Healthcare is without a doubt, the one field (besides politics) where you can work up until your death. A wise nurses always said, keep your license active until you know you will never practice again.

It takes hours and hours of activity and a sum of money for CEUs to maintain a license in Alaska.  I let mine go the moment I decided to retire and make do on a fixed income.  That's one of the features of a frugal retirement...choosing a thousand ways to spend the little bit of money you depend upon to live.  

Specializes in Med-Surg, Trauma, Ortho, Neuro, Cardiac.
6 hours ago, abixxy said:

Healthcare is without a doubt, the one field (besides politics) where you can work up until your death. A wise nurses always said, keep your license active until you know you will never practice again.

I have a coworker that is 70 (but works on another floor) and he came out of retirement.  He retired when covid hit and two years later came back because he was bored.  His wife has some sort of immune defeciency which is why he retired in the first place.  He said at first they enjoyed all their home projects and hobbies.  But his wife still didn't want to travel with covid being out there so he came back to work.  

Interesting that covid spurred him into retirement but it's longevity spurred him to come back.  

My 69 year old boss is semi-retiring and has already been getting SSI.  She's going to work six days a month in administration for travel money.  I think being single and not having grandchildren yet will keep her working.  But my money is one when her recently married only child starts to have kids she will retire full time.

 

Specializes in Case manager.

I retired in May of this year, but really missed the socialization with peers. Returned in a PRN postion same department...just in time to transition to EPIC.

 

Specializes in school nurse.
1 hour ago, Suzyzim said:

I retired in May of this year, but really missed the socialization with peers. Returned in a PRN postion same department...just in time to transition to EPIC.

 

With all the changes you've seen over your career span, how do you "rate" EPIC?

Long story here. I left the USA in 2002 at age 52 to travel after some miserable nurse jobs. I met a Portuguese/Brazilian and we married 18 months later, I went to live in Brazil and Portugal. 2012 I returned without the husband to the USA and did not work or think about nursing until 2020 when I started volunteering. I have worked in LTC a few paid shifts per month and in a few weeks I will be starting a Psych/mental health NP Program. I am 71 with incredible longevity in my family. 95+ is not unusual. My father's sister died 1 year ago at age 103. Sharp as a tack and lived at home, alone. I guess I'm starting the NP Program to cover myself if I do live to my 90's or beyond. If not, oh well. Education never hurt anyone!

Specializes in Occupational Health Nursing.

I really don't know of course what the future holds but I am doing my best now so I do not have to work past my retirement age.  

Specializes in tele, med/surg, step down.
On 2/27/2022 at 10:01 AM, Tweety said:

I have a coworker that is 70 (but works on another floor) and he came out of retirement.  He retired when covid hit and two years later came back because he was bored.  His wife has some sort of immune defeciency which is why he retired in the first place.  He said at first they enjoyed all their home projects and hobbies.  But his wife still didn't want to travel with covid being out there so he came back to work.  

Interesting that covid spurred him into retirement but it's longevity spurred him to come back.  

My 69 year old boss is semi-retiring and has already been getting SSI.  She's going to work six days a month in administration for travel money.  I think being single and not having grandchildren yet will keep her working.  But my money is one when her recently married only child starts to have kids she will retire full time.

 

No doubt there are a lot of factors that influence this. My mother is 70 as well and works in administration (semi retired) for a large healthcare entity in Ohio which is nice you can do that, but mobility is becoming and issue for her. 

I also haven't given my aging parents any grandchildren as of yet but I have plenty of time left to decide.

"Traditionally in an agricultural society people worked in whatever capacity they could, and as they lost abilities, other family members picked up the tasks. I wonder how many people today will have enough saved to provide for the future they hope for in old age?"

The pandemic has magnified the flaws in our LTC system. I'm not sure it's the future anyone hopes for in old age.

Specializes in Varied.

I just retired. After a month of not working, I've been offered the opportunity to work wage, which means as few or as many hours as I want, but no benefits. 

I will probably do it for a few reasons:

I miss my work family and being part of the group.

It is gratifying to be an expert in a field and to contribute. 

I can help many people.

Extra $ never hurts.

Why I might not:

I like not working, being tied to a schedule, not having to fight for vacation time, not dealing with politics and less than conscientious colleagues. Also not having to drive in bad weather.

Im getting settled into a new routine, gym, walking with a friend, meet ups with friends and more time with family. 

I think financially ill be OK not making extra $.  I've got some thinking to do.

Specializes in school nurse.
26 minutes ago, Laine said:

I just retired. After a month of not working, I've been offered the opportunity to work wage, which means as few or as many hours as I want, but no benefits. 

I will probably do it for a few reasons:

I miss my work family and being part of the group.

It is gratifying to be an expert in a field and to contribute. 

I can help many people.

Extra $ never hurts.

Why I might not:

I like not working, being tied to a schedule, not having to fight for vacation time, not dealing with politics and less than conscientious colleagues. Also not having to drive in bad weather.

Im getting settled into a new routine, gym, walking with a friend, meet ups with friends and more time with family. 

I think financially ill be OK not making extra $.  I've got some thinking to do.

Is the stress/responsibility level of the position you're considering reasonable for you?

Specializes in critical care.

I "retired" at age 60 after 30 years of nursing in the same hospital!  The last 25 were in cardiac critical care recovering open heart surgery etc.   I too, miss my work family but could not go on.  After a year, I am now going to work PRN as a home health nurse.  I never wanted to wear scrubs again!! No benefits but part of a community of fellow nurses who generally earned a lot of respect from the general public.  (I believe).  Of course, money is a motivating factor but I did invest and feel comfortable financially.  The other thing that needs to be addressed is paying for your own insurance which I do. Not cheap.  Yes, there are several things to think about when retiring early.  Nursing is not easy but there are less stressful types of nursing.