Working beyond SPA and the trajectories of cognitive and mental health of UK pensioners: Do gender, choice, and occupational status matter?

We assessed the association between work status beyond state pension age (SPA) and the long-term trajectories of cognitive and mental health for men and women separately, and the extent to which this relationship is conditioned by their occupational status and whether the choice to retire or continue working is voluntary or involuntary. Data are pensioners (aged between SPA and SPA + 9) from the English Longitudinal Study of Ageing waves 4 (2008/09) through 9 (2018/19). The analytic sample includes 959 men and 1217 women when considering cognitive outcomes and 1131 men and 1434 women when evaluating depression. Findings based on growth curve models reveal that, compared to women who retired at SPA and without any particular reason, their peers who retired due to frailing health reported a more precipitous decline in memory over time (coefficient = −0.10). However, analysis stratified by occupation shows that this association between ill-health retirement and long-term memory decline was concentrated among older women of the highest occupational status. We also found that men who retired or worked past SPA voluntarily reported a better baseline verbal fluency and were less likely to report depression over time (coefficient for work = 0.80; coefficient for retired = 0.87). Women who worked past SPA voluntarily were less likely to report depression at baseline (OR = 0.53). Policies that extend work life should offer older people more personal control over decision surrounding retirement.