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Smith, Deborah B., Moen, Phyllis. Retirement Satisfaction for Retirees and their Spouses: Do Gender and the Retirement Decision-Making Process Matter? Journal of Family Issues, Mar 2004; vol. 25: pp. 262-285

This study investigates factors related to retirees' and their spouses' individual and joint retirement satisfaction using decision-making theory and a life course perspective. The sample includes 421 retired respondents (ages 50 to 72) and spouses from the Cornell Retirement and Well-Being Study. Although 77% of retirees report retirement satisfaction, only 67% of their spouses are satisfied; even fewer couples (59%) report joint satisfaction. Multivariate logistic regression analyses reveal that retirees' and spouses' individual and joint reports of retirement satisfaction are related to perceptions of spousal influence on the retirement decision, with effects varying by gender. Those couples most likely to report being satisfied with retirement, individually and jointly, are retired wives and their husbands where wives reported that their husbands were not influential in their retirement decision. The results underscore the importance of regarding retirement as gendered and as both an individual- and a couple-level experience.
 

Blekesaune, Morten, Solem, Per Erik. Working Conditions and Early Retirement: A Prospective Study of Retirement Behavior. Research on Aging, Jan 2005; vol. 27: pp. 3-30

This article investigates the impact of working conditions on individual retirement for 270 occupations. It combines survey data for estimates of job strains, census data for occupations, and income and social insurance/security data, for the transition from work to retirement for 19,114 Norwegian employees between the ages of 60 and 67. Retirement was identified by a drop in work-related income and studied both jointly and separately for disability and nondisability retirement, including four types of disability. Data were analyzed using logistic regression (competing risk) "duration" models. Findings indicate that disability retirement is related to physical job strains. Among men, both pathways of early retirement are related to low autonomy in job tasks. Furthermore, psychological job stress may reduce nondisability retirement. The findings are discussed in relation to (1) the prospect of reducing early retirement by changing working conditions and (2) who will gain from certain changes in pension systems.
 

Richard W. Johnson. Phased Retirement and Workplace Flexibility for Older Adults: Opportunities and Challenges The ANNALS of the American Academy of Political and Social Science 2011 638: 68

Phased retirement programs that allow older workers to reduce their hours and responsibilities and pursue more flexible work schedules could satisfy both the employee’s desire for flexibility and the employer’s need to maintain an experienced workforce. However, few employers have established formal programs, because they often complicate the provision of other benefits and might violate antidiscrimination rules. For example, federal laws limit retirement plan distributions to employees who are still working for the plan sponsor, which discourages phased retirement because few older workers can afford to reduce their work hours unless they can receive at least some retirement benefits. Many employers do not provide fringe benefits to part-time employees, and making exceptions for older workers could violate antidiscrimination rules. Federal laws requiring that benefits provided through tax-qualified plans be evenly distributed between highly compensated and lower-paid employees also complicate formal phased retirement programs. Reforming these policies could promote phased retirement.