A Preliminary Investigation of Factors Affecting Appraisal of the Decision to Take Early Retirement

Abstract

This study examines why individuals elect to take the early retirement package offered by their employer, as well as factors affecting their appraisal of that decision. Content analysis, t tests, and regression analysis were used to examine the data. Results suggest that all early retirement decisions are not voluntary. Individuals who did not desire to retire and who had lower self‐esteem, fewer financial resources, and plans to continue working were more likely to appraise the early retirement as harmful. Employment counselors can assist individuals with preparing for early retirement by providing resources such as financial counseling and outplacement services just as they do for individuals who involuntarily lose their jobs.

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