退休后继续工作的好理由

你退休后想做什么?

买辆房车，然后上路? 学习一门新语言? 兼职工作? For a growing number of American retirees, continuing to work makes perfect sense. 许多人发现他们只是没有事情可以让自己忙起来, while others miss the camaraderie and sense of purpose work gave them. Longevity, combined with insufficient savings, is driving more people to stay on the job longer.

而且很有可能活得很长. 按费率计算.com, "The Society of Actuaries (SOA) data suggests that a 65-year-old male today, 健康状况一般, has a 35% chance of living to 90; for a woman the odds are 46%." So, not working after retirement could mean living off savings for 20 years or more. 这对某些人来说是不可行的. 2018年， 29%的美国人 年龄在65岁至72岁之间的人要么有工作，要么正在找工作.

Whatever the situation, working after retirement can be both financially and personally rewarding. Here are some things to consider when planning the next phase of your life.

金融稳定

If you're like most retirees, you may have enough savings and income from your 退休计划 来介绍基础知识, 但你也需要考虑通货膨胀, 长期护理, 不断上涨的医疗费用.

根据 退休pp王者电子官网协会, only 18% of baby boomers are confident they will have enough money to comfortably live in retirement. 然而，如果他们拥有一辆汽车，这种信心会增加到45% 年金.

For seniors who didn't save a large enough nest egg, continuing to work may be a necessity. 但即使不是, having a paycheck helps to supplement and stretch that savings for the longer life spans than many expect.

Working during retirement means it's possible to keep your existing savings — and continue earning interest — while living off your extra income. 也, your pension benefits from your former employer are normally not affected unless you plan to return to work for them.

关于退休和福利的社会保障规则

如果你退休了，在你 法定退休年龄 由社会保障局定义, 你的社会保障福利可能会减少30%, 这取决于你出生的年份.

By working full or part time, you can delay the start of Social 安全 benefits. The longer you wait, up until the age of 70, the bigger your monthly 社会保障支票 一般会是.

然而, if you are already receiving Social 安全 benefits and decide to work, 注意，到2020年，如果你的收入超过18美元,在你的法定退休年龄之前, $1 for every $2 made will be deducted from your Social 安全 benefit. 在你满退休年龄的那一年, 在48美元之后，你每赚3美元，社保就会扣除1美元,600; they only count your earnings up to the month before your 法定退休年龄, 不后. 看到 ssa.政府 欲知详情.

一旦你到了法定退休年龄, you can work as much as you like without impacting your Social 安全 benefits. 然而, you should consult your tax adviser regarding the tax consequences of such work arrangements on your Social 安全 benefits.

获得健康pp王者电子官网福利的资格

对于许多即将退休的老人来说, the high cost of medical care can be quite a shock when they are no longer part of a company plan. This is especially true if you retire before 65, the age you qualify for Medicare.

一旦你 符合资格并开始接受医疗pp王者电子官网, you may face significant out-of-pocket expenses including prescription drug costs. 即使你到了65岁，有资格享受医疗pp王者电子官网, it can be helpful to have additional health insurance through your employer or 医疗pp王者电子官网补充pp王者电子官网 因为医疗pp王者电子官网存在缺口.

Having a job that pays medical benefits after you retire could save thousands of dollars a year in medical expenses.

社会活动和健康益处

锻炼, reading and crossword puzzles may provide the stimulus to help stay fit mentally and 物理ly, 但工作也是保持专注的好方法.

People who work after retirement often remain more active and socially connected, 这意味着更好的整体健康和更少的医疗问题. Working part-time can give you a sense of being part of something without being tied to a career and long hours.

返场生涯

退休 can be the start of a whole new career, but it doesn't have to be the same old work. 许多高年级学生在其他职业中茁壮成长，他们可以提供一个 第二次获得工作满意度的机会.

Encore careers can open interesting opportunities that weren't practical earlier in life, whether it be working to support a favorite cause or even channeling your passion into your own small business.

提示: 如果你打算退休后继续工作, start your job hunt or finalize your employment before you retire. 你也可以报名参加一两个课程来学习新技能.