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Q: Life Expectancy after retirement for men and women ( Answered,   5 Comments )
Subject: Life Expectancy after retirement for men and women
Category: Health
Asked by: fitwerks-ga
List Price: $5.00
Posted: 16 Jan 2005 01:33 PST
Expires: 15 Feb 2005 01:33 PST
Question ID: 457994
I need to know the life expectancy after retirement of men and women
and also the number of years of reasonably active life.  This is a
double question: (a) life expectancy after retirement; (b)
quality of health and life after retimreent.  The second is probably best
answered by subjective assessment.  I'll need a citable source as

Request for Question Clarification by czh-ga on 17 Jan 2005 11:17 PST
Hello fitwerks-ga,

I?ve found some articles relating to the correlations between life
expectancy and retirement age. Some not break out the information by
gender. The topic is complex and depends on many demographic factors.
I can also point you to some life expectancy calculators and how
they?re used in retirement planning. The question about quality of
life after retirement is also complex but I could give you some
starting points for researching it further. Would this meet your

As a first time user I suggest that you look at the Google Answers
Pricing Guidelines so that you can calibrate your expectations on the
type of information you?re likely to get for the price you?ve set.

I look forward to your clarification.

~ czh ~

Request for Question Clarification by czh-ga on 17 Jan 2005 11:17 PST
Ooops. Here's the link to the information about pricing your question.

Clarification of Question by fitwerks-ga on 17 Jan 2005 22:24 PST
Any information with regards to life expectancy and retirement would
work.  I'm specifically seeking information on the correlation between
retirement age and life expectancy.  I read one study that was
conducted on Boeing retirees that showed on average that those who
retired at the age of 45 lived to be around 88 years of age and those
who retired at 65 lived to only 66.5 years of age.  I want to find out
if this is common in other demographics and the main causes behind
these statistics.
Subject: Re: Life Expectancy after retirement for men and women
Answered By: czh-ga on 18 Jan 2005 12:29 PST
Hello again fitwerks-ga,

I found the Boeing statistics very interesting but was quickly able to
collect a large variety of newer information to help make sense of the
question of life expectancy at retirement age. You will likely find
lots more information on this subject as the discussion about the need
to ?fix? Social Security heats up. I hope that the resources I?ve
collected will help you continue your explorations to answer both your

Wishing you well.

~ czh ~

Longevity versus Retirement Age

Table 1 - Actuarial Study of life span vs. age at retirement (using
old Boeing retiree data).

The most controversial part of the old Boeing retiree data is that it
shows that for every year one works beyond age 55, one loses 2 years
of life span on average for the age at retirement ranging from 55 to

***** This Web site discusses the Boeing longevity study and provides
several newer surveys to update the information.

More On Life Span Vs. Retirement Age
- Level 2: Adding Time Dimension -
April 11, 2002


The ?newer? retiree data from Sandia Labs indicates that there is no
clear influence of age of retirement on life span for age of
retirement below 65. There may be many other stronger factors that
influence the life span but the age of retirement is NOT a strong
influencing factor of life span for age of retirement below 65. The
recent qualitative description of newer Boeing retiree data by the
Boeing Actuarial Services is similar to this new message from Sandia
retiree data.

We just found out that the old Boeing retiree data, described in my
previous article, has been floating around in the industry for more
than 20 years. We found that it is important to include the time
dimension in such statistical analysis of retiree data by considering
the time dependence of average life span in order to understand the
hidden reasons behind the apparent contradiction between the old
Boeing retiree data and the new Sandia retiree data.

***** This is a report on a newer study from Sandia that updates
retirement and longevity surveys.

Rethinking Retirement-Age Policy

***** This is a 24 page report from the AARP that explores the issues
relating to retirement and increased life expectancy. It has lots of
tables to help you explore the subjects and cites many relevant
research reports.

Mortality of Canada Pension Plan and Old Age Security ...

***** This is a 22-page report with lots of tables from Canada that
provides actuarial predictions relevant to your question.

Research group concludes that life expectancy in retirement will
increase sharply -- But no guarantee younger people will outlive older
15 March 2004 

In a major new piece of longevity research, a Group of leading
actuaries is set to reveal that substantial future increases in
longevity amongst the elderly "are highly probable". But the same
cannot be said for younger generations. Future projections are
surrounded by "considerable uncertainty".

In the paper, which will be presented to the Faculty of Actuaries in
Glasgow on 15 March, the authors will point out that there is now
incontrovertible evidence of a step change in longevity visible for
those born between 1925 and 1945 (the 'Cohort Effect').
Longevity in the 21st century

***** You can download the 148 page report.

Sites Related to Aging Research

***** This is an outstanding collection of links to help you continue
your research.

Retirement Calculators

The Health and Retirement Study
A Longitudinal Study of Health, Retirement, and Aging Sponsored by the
National Institute on Aging

The University of Michigan Health and Retirement Study (HRS) surveys
more than 22,000 Americans over the age of 50 every two years.
Supported by the National Institute on Aging (NIA U01AG09740), the
study paints an emerging portrait of an aging America's physical and
mental health, insurance coverage, financial status, family support
systems, labor market status, and retirement planning.

***** This site offers extensive information that should serve as a
good starting point for exploring post-retirement quality of life

The RAND Center for the Study of Aging conducts objective,
independent, behavioral research on the elderly population. The
Center's interdisciplinary research staff aims to help improve public
policy through both primary data collection and secondary data
analysis. Its research agenda focuses on the interrelationships among
health, economic status, socioeconomic factors, and public policy. The
Center is housed within RAND's Labor and Population Program.

***** This is another good resource for continuing your explorations.


life span vs. age at retirement
Longevity versus Retirement Age
Boeing "retirement study"
life expectancy at retirement
retirement calculators
Subject: Re: Life Expectancy after retirement for men and women
From: probonopublico-ga on 16 Jan 2005 03:34 PST
I suspect that there are no stats on Life Expectancy after retirement.

Interesting question!
Subject: Re: Life Expectancy after retirement for men and women
From: neilzero-ga on 16 Jan 2005 10:51 PST
In recent years, more than half of the people who retire take a new
part time of full time job, occasionlly at approximately the same work
location, perhaps for a sub contactor, or subsidiary. Persons who do
not find stimulating activities following retirement frequently die or
develop serious ilness in a year or two. Only a few seem to thrive on
idleness.   Neil
Subject: Re: Life Expectancy after retirement for men and women
From: jack_of_few_trades-ga on 17 Jan 2005 06:17 PST
"The older population--persons 65 years or older--numbered 35.9
million in 2003 (the latest year for which data is available). They
represented 12.3% of the U.S. population, about one in every eight
Americans. By 2030, there will be about 71.5 million older persons,
more than twice their number in 2000. People 65+ represented 12.4% of
the population in the year 2000 but are expected to grow to be 20% of
the population by 2030. The information in this section of the AoA web
site brings together a wide variety of statistical information about
this growing population."
This link to the US Census has a link in it to spreadsheet showing US
population by Age/Gender in 2000.  It also projects those populations
to 2010, 2020, 2030, 2040, and 2050.  It's most interesting...
althought not quite what you're looking for, it might give you some
Subject: Re: Life Expectancy after retirement for men and women
From: probonopublico-ga on 17 Jan 2005 22:58 PST
Wow Fitwerks ... those Boeing stats are interesting!

They clearly prove that working is unheathly and dangerous.

It must be banned!
Subject: Re: Life Expectancy after retirement for men and women
From: jack_of_few_trades-ga on 18 Jan 2005 06:30 PST
"those who retired at 65 lived to only 66.5 years of age"

I find that unbelievable.  If this is true then fewer than half of the
Boeing employees who lived to retire at age 65 live to age 68.  And
almost none of them live much past 68.
And dispite being alive and well enough to work up to age 65, they
only have 1.5 years left in them on average...  that just can't be the

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