In total, 58 HEAF participants were contacted, of whom 18 (31%) agreed to participate. Only seventeen interviews were included in the analysis, however, since one participant reported unemployment prior to retirement. Participants retired between 2012 and 2014 at ages 55–67 years (therefore before, at, and after SPA) (Table 1). At the time of interview, in 2018, participants had been retired for between 3 and 6 years. The interviews lasted between 15 and 30 minutes, excluding introductions and post-interview conversations.
Participants’ responses were organised into 44 codes and five themes. (Fig. 1). Three of these themes, entitled 1:'Work was pushing me' 2:'It's not you it's me', and 3:'I had my reasons,' described factors that pushed 25 the participant towards retirement (Fig. 2). 1:'Work was pushing me' captured work-related factors that participants felt had pushed them to retire and was divided into a further four sub-themes. Theme 4: 'But work also pulled me back' included work factors that participants described as discouraging retirement. Theme 5: 'Now I'm free' covered perceptions of life in retirement.
Since our aim was to elucidate the work-related factors that affected retirement decision-making, the following section focuses on the themes 1:'Work was pushing me' and 4:'But work also pulled me back'.
1. Work was pushing me
Participants described a range of workplace factors that they viewed as having 'pushed' them towards retirement. These 'push' aspects were negative and/or unpleasant and participants described retirement as allowing them to remedy or escape these effects. This theme consisted of four sub-themes described below:
1(a) You've changed
Within this sub-theme, we grouped instances of where participants described workplace changes precipitating negative feelings. In some cases, workplace changes resulted in a new work environment, conditions or processes that retirees contrasted unfavourably with previous circumstances. Lisa said that she felt change had made her less valued. When asked what had changed, she replied:
'I think the focus on the service changed. It was not anymore about giving a gold-standard service. In my opinion it was about delivering… volume'
Like Lisa, some participants felt that workplace changes resulted in declining standards and/or increasing workloads, which conflicted with personal values or work-related pride, causing an imbalance for which the only solution was perceived to be retirement. Philip stated that upcoming changes to his workplace (a school) were his main reason for retirement. When asked to describe those changes, he said:
'The sort of changes were cutback in financial support for the services we were providing and not being able to do the job that we… were employed for originally and it was being imposed upon us and it wasn't good for the children.'
However, change was not always perceived negatively. When summarising his experiences near the end of an interview, Gareth said:
'I love new things and challenges but you want to know that you have a secure position within that.'
1(b) Grinding me down
In this sub-theme, participants described aspects of their work that had become less bearable, (e.g. draining and competitive with heavy workloads) which had gradually pushed participants towards retirement. When asked if he enjoyed his job, Jamie replied:
'Yes I would overall... until, as I say, the point it got a bit much… it was repetitive like that and the complaints got worse… over the years as well and the number of them, volume of them.'
Within this sub-theme, participants perceived a lack of appreciation for their efforts. When asked whether her skills were valued in the workplace, Elena replied:
'Well I think everyone sort of appreciated to a certain extent that actually you were doing a good job with the best you could, or the other staff did but, as much as appreciation from the hierarchy well… some of them stayed in their offices they didn't really get involved too much.'
This sub-theme also included perceptions of being isolated at work. When Jamie was asked what he disliked about his job, he replied:
'Well there was a certain amount of pressure. I was the only one in the office sometimes. You had to deal with everything that came up… and that led to the stress… There wasn't a lot of backup.'
1(c) I've got no time
In this sub-theme, participants described work as a time-burden or restriction, which caused fatigue and prevented them from engaging in other more meaningful activities. Participants felt that excessive/increased hours infringed upon their personal time. When asked about her main reason for retirement, Betty said:
'I was working a six-day week, not normal hours and it was usually a minimum of 60 hours… sometimes more… To be honest I don't want to work those sort of hours when I'm in my 60s.'
Additionally, within this sub theme, commuting to and/ or from work was regarded as an increasing burden as the participant neared retirement. Gerard's commute made him question his role:
'There was a lot of driving time involved and as I say… the fact that I was spending what seemed to be an inordinate amount of time traveling, that was one of the reasons for saying, 'well why am I doing this?''
Communication technology seemed, to some, to represent a growing burden, such that participants felt they were effectively constantly available for work, which further encroached upon personal time. Retirement seemed to offer alleviation from these restrictions. Julian described the moment he chose to retire:
'I was at the hospital waiting to go into the operation and I was dealing with e-mails and phone calls and it suddenly struck me that this was not a way... that I wanted to live the rest of my life.'
1(d) This hurts
Within this sub-theme, participants reflected on the relationship between physical comfort and work. Physical workloads that were previously normal became more unpleasant and unduly burdensome, as the participant neared retirement, sometimes even if the work was otherwise enjoyable. When asked to summarise her retirement decision, Louisa responded:
'I think it's got to be summed up in one word: pain. I was fed up with the pain… although I had so much good things, there were so many good things about it, the pain overrode everything.'
In general, the mismatch between physical work demands and declining physical abilities was described as a personal shortcoming by participants, rather than an imbalance that could be potentially rectified through work modification. In some cases, the physical work environment (unhealthy, unpleasant) pushed individuals towards retirement. Leo was asked whether physical workload influenced his decision to retire, he responded:
'I always felt that obviously doing a lot of heavy lifting and pulling and pushing, sledge-hammering was partly good because it kept me fit but at the same time…, as I got older things were making me a bit out of breath and I could see it was making me, bit unhealthy at the same time. So I decided to knock it on the head.'
4. But work also pulled me back
In contrast, we identified a theme in which work-related factors appeared to weigh against the decision to retire. These factors acted as counters to the more negative 'push' aspects of work described above. Participants described work as providing many positives, including a sense of pride and status. Some reported perceiving work as a break from the rigours of outside life. Participants reported that having supportive colleagues formed a community both in and outside work. Loyalty to this community and unease at the prospect of leaving it seemed to make retiring more difficult. When discussing colleagues’ influence on her retirement decision, Alice said:
'I didn't feel I could just walk away. That wouldn't be fair to somebody you worked with for 25 years.'
This theme also captured opportunities for the negative 'push' aspects of work to be mitigated e.g. by having autonomy and/or being appreciated. Greg, a factory worker, described his workplace as increasingly complex. When asked whether this had influenced his retirement decision, he replied:
'No, because basically the involvement I had from, well day one, meant I was part of the process.'
Some participants described how flexibility in working hours acted as a pull towards work. Patsy described a situation where her partner had become seriously ill:
'I had time off and if I wanted to I could've worked from home and just when he came out of hospital. Things like that, they were… very good. But I managed to go back after about two or three weeks on a part-time basis and then went back full-time later on.'
Other themes
Two other themes included factors that pushed participants towards retirement but were notionally unrelated to the workplace. In theme 2:'It's not you it's me', the push towards retirement came from personal values or feelings, rather than being generated by external circumstances. For example, participants suggested that there was a 'normal' age to retire or a point at which retirement was almost inevitable. In theme 3:'I had my reasons', factors pushing towards retirement seemed to be external to the participant or were outside of their control. These factors acted upon the participant and changed their plans. Health status and financial status pushed the participant towards retirement, whilst caring responsibilities and family interactions were also prime motivators. The fifth theme, 'Now I'm free', encompassed descriptions and perceptions of life in retirement. Retirement was often described in terms of freedom, which was a counterpoint to the restrictions of their job, providing an escape from the negative aspects of work or other push factors.