{"id":387,"date":"2020-01-22T19:08:00","date_gmt":"2020-01-22T19:08:00","guid":{"rendered":"https:\/\/www.simplywise.com\/blog-2023\/?p=387"},"modified":"2023-06-22T20:31:35","modified_gmt":"2023-06-22T20:31:35","slug":"death-of-retirement","status":"publish","type":"post","link":"https:\/\/www.simplywise.com\/blog\/death-of-retirement\/","title":{"rendered":"Death of Retirement? Seniors Are Working at Historic Levels"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"387\" class=\"elementor elementor-387\">\n\t\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-a7d4a94 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a7d4a94\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5a0a6b2\" data-id=\"5a0a6b2\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9fd57d8 elementor-widget elementor-widget-text-editor\" data-id=\"9fd57d8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>For many Americans, reaching retirement age doesn\u2019t mean the end of work. In a poll from\u00a0<a href=\"http:\/\/www.apnorc.org\/Pages\/default.aspx\">The Associated Press-NORC Center for Public Affairs Research<\/a>, 23% of workers said they don\u2019t expect to stop working. Additionally, new stats show that people above the age of 65 are already working at all-time high rates since record keeping began. Projections from the\u00a0<a href=\"https:\/\/www.bls.gov\/\">U.S. Bureau of Labor Statistics<\/a>\u00a0anticipate that this trend is not stopping anytime soon.\u00a0<\/p><p>Traditionally, factors like life expectancy, retirement benefits (including\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-retirement-benefits\/\">income from Social Security<\/a>), accumulated savings, expectations around spending and\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/ssa-cost-of-living-adj\/\">increases in the cost of living<\/a>\u00a0would explain the afore-mentioned phenomena. However, seniors today are more physically healthy than ever. Also, better,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/fastest-growing-jobs-for-seniors\/\">more flexible and more fulfilling work options are now at their disposal<\/a>\u00a0through recent technological advances. Many seniors, realizing how much they have left to offer and discovering the ease of finding ways to get paid, are choosing to extend their careers into their retirement years and\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/work-and-maximize-ss-benefits\/\">complement income<\/a>\u00a0coming from their own earned benefits,\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-spousal-benefits\/\">spousal benefits<\/a>\u00a0or\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/guide-to-social-security-and-death\/\">survivors benefits<\/a>.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d63304f elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d63304f\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-6f30e11\" data-id=\"6f30e11\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7325ecb elementor-widget elementor-widget-template\" data-id=\"7325ecb\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"196\" class=\"elementor elementor-196\">\n\t\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-339b45e0 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"339b45e0\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3f771e94\" data-id=\"3f771e94\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-44435407 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"44435407\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/elementor\/css\/custom-pro-widget-call-to-action.min.css?ver=1764022918\">\t\t<a class=\"elementor-cta\" href=\"https:\/\/simplywise.app.link\/Iv0wVANrvfb\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-content-item elementor-cta__content-item elementor-icon-wrapper elementor-cta__icon elementor-view-default\">\n\t\t\t\t\t\t<div class=\"elementor-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-lightbulb\"><\/i>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">DID YOU KNOW?<\/h2>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tRetirement is 99% easier when your paperwork is organized. \n\nJoin 250,000+ Americans securely storing their important receipts, bills &amp; documents with the SimplyWise app.\t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item \">\n\t\t\t\t\t<span class=\"elementor-cta__button elementor-button elementor-size-md\">\n\t\t\t\t\t\tGet the App\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-04b4dab elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"04b4dab\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-96fa614\" data-id=\"96fa614\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3654f56 elementor-widget elementor-widget-text-editor\" data-id=\"3654f56\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>More seniors are in the job market<\/b><\/h2><p>The\u00a0<a href=\"https:\/\/data.oecd.org\/emp\/labour-force-participation-rate.htm\">Labor Force Participation Rate (LFPR)<\/a>\u00a0refers to the number of people working or looking to work divided by the total amount of people. According to data from the Bureau of Labor Statistics (BLS), the current LFPR is 63.2%, meaning that around 63 out of 100 working age people are at work or pursuing work opportunities. Broadly speaking, the LFPR is around long-term averages.<\/p><p>For seniors, however, the LFPR is reaching levels not seen in recent history; otherwise put, more seniors are entering, or remaining in, the job market. The 20.6% rate reached for those aged 65 and older in December 2019 is the highest mark since June 1961 and represents an 18% increase relative to December 2009. The BLS expects this to further increase to 23.3% by the end of 2028.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c7e4981 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"c7e4981\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b409211\" data-id=\"b409211\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-82a6aab elementor-widget elementor-widget-image\" data-id=\"82a6aab\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.13.3 - 28-05-2023 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"426\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-GRAF--1024x682.png\" class=\"attachment-large size-large wp-image-390\" alt=\"seniors job market\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-GRAF--1024x682.png 1024w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-GRAF--300x200.png 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-GRAF--768x512.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Simplywise-GRAF-.png 1334w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-75c8092 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"75c8092\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b37d83d\" data-id=\"b37d83d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-67ad80b elementor-widget elementor-widget-text-editor\" data-id=\"67ad80b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>Seniors are taking on greater workloads<\/b><\/h2><p>While the LFPR tracks the percentage of people working or looking to work, but it doesn\u2019t tell us everything about\u00a0 seniors in the workforce. According to a\u00a0<a href=\"https:\/\/www.simplywise.com\/\">SimplyWise<\/a>\u00a0analysis done using BLS data, seniors are taking on greater responsibility by increasingly opting for full-time work, as shown by an 85% increase over the last 10 years in the amount of seniors working more than 35 hours per week (compared to a 49% increase in part-time workers aged 65 and above). Of employed seniors, over 62% are working full-time.\u00a0\u00a0<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6568359 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6568359\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ca118ac\" data-id=\"ca118ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f208d8c elementor-widget elementor-widget-image\" data-id=\"f208d8c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"640\" height=\"366\" src=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-1024x585.png\" class=\"attachment-large size-large wp-image-391\" alt=\"seniors increasing full time work\" srcset=\"https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-1024x585.png 1024w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-300x171.png 300w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-768x439.png 768w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-1536x878.png 1536w, https:\/\/www.simplywise.com\/blog\/wp-content\/uploads\/2023\/06\/Seniors-are-increasingly-opting-for-full-time-work-2048x1171.png 2048w\" sizes=\"auto, (max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-45d112a elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"45d112a\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-0ab0565\" data-id=\"0ab0565\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-af01adb elementor-widget elementor-widget-text-editor\" data-id=\"af01adb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h2><b>The market likes what seniors have to offer<\/b><\/h2><p>Seniors want to work and are willing to make themselves available, but how is the job market treating them? Just fine. The final four months of 2019 boasted the lowest average\u00a0<a href=\"https:\/\/data.oecd.org\/unemp\/unemployment-rate.htm\">unemployment rate<\/a>\u00a0for seniors since before the 2008 financial crisis, indicating that people aged 65 and up are having great success finding work. Additionally, the 2.6% unemployment rate for seniors in December 2019 remains below the 3.5% national unemployment rate. Clearly, employers are seeing value in this part of the workforce.\u00a0<\/p><h2><b>The \u201cnew normal\u201d is just fine<\/b><\/h2><p>The world of retirement is changing. Seniors are increasingly capable and benefit from increasingly easy access to work. Now, they are taking advantage of the opportunity at historic rates, becoming less reliant on\u00a0<a href=\"https:\/\/www.simplywise.com\/blog\/social-security-trust-fund\/\">Social Security in the future<\/a>. These are a few occupations where seniors are thriving:<\/p><ul><li>Office and administrative support: In 2018, 1.2 million seniors worked in jobs such as booking\/accounting, customer service, receptionists, secretaries and administrative assistants.<\/li><li>Sales and related: In 2018, 1.2 million seniors worked in retail functions like cashier, clerk, supervisor or in retail sales of some sort.<\/li><li>Transportation and material moving: Of the 665,000 seniors that worked in transportation in 2018, the majority were drivers of either buses, trucks or taxis.<\/li><li>Personal care and service: 476,000 seniors worked in personal care and service in 2018, the main functions served were personal care aides, childcare workers and hairdressers\/hairstylists.<\/li><li>Building and grounds cleaning and maintenance: 424,000 seniors worked as janitors, maids, housekeepers or in other such roles in 2018.<\/li><\/ul><div>\u00a0<\/div><p>Whether through a litany of online job boards or other sites designed to help Americans as they ponder their golden years, seniors are now just a click away from job opportunities. It turns out the death of retirement isn\u2019t such a bad thing.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>For many Americans, reaching retirement age doesn\u2019t mean the end of work. In a poll from&nbsp;The Associated Press-NORC Center for Public Affairs Research, 23% of workers said they don\u2019t expect to stop working. Additionally, new stats show that people above the age of 65 are already working at all-time high rates since record keeping began. [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":388,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[],"class_list":["post-387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Death of Retirement? Seniors Are Working at Historic Levels - SimplyWise Cost Estimator<\/title>\n<meta name=\"description\" content=\"Reaching retirement age doesn\u2019t mean the end of work anymore. Healthier seniors are taking advance of technology to stay active and continue making money...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.simplywise.com\/blog\/death-of-retirement\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Death of Retirement? Seniors Are Working at Historic Levels - SimplyWise Cost Estimator\" \/>\n<meta property=\"og:description\" content=\"Reaching retirement age doesn\u2019t mean the end of work anymore. 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