Is Retirement Hazardous for Your Health

When Carrie Elam wakes up at 6 a.m., she begins her day with leg exercises in bed before stepping outside to meditate in her expansive backyard perched above Baldwin Hills. From there, she can see across Los Angeles-from Century City to Downtown-as she quietly gives thanks for another day.

Elam, 91, has been retired for 23 years from her job at United Food and Commercial Workers Local 770. And she is thriving, says Elam's physician, Sonja Rosen, MD, chief of Geriatric Medicineat Cedars-Sinai, because Elam is doing retirement the right way.

"Carrie's doing many of the things we encourage our patients to do as they age- keeping herself physically healthy and having a full social calendar," Rosen said.

Statisticsfrom the U.S. Bureau of Labor Statistics show nearly 20% of today's workforce are 65 or older, up from 10% in the mid-1980s. And many older adults stay in the workforce for health-not financial-reasons. One analysissuggests that retiring earlier is associated with higher mortality, finding an 11% reduction in risk of death for each additional year of work.

So how can today's older adults slow down or leave their careers without losing their health?

"Retirement from work is not retirement from life," said Zaldy Tan, MD, MPH, medical director of the Jona Goldrich Center for Alzheimer's and Memory Disordersat Cedars-Sinai. "It's not like there is a universal, specific age at which our bodies shut down or our brains slow down to a halt. That is not physiological. This idea of retirement is man-made."

The key factor, Tan said, is not retirement itself-but what people do after they stop working. Retirees who remain socially and cognitively engaged often experience better physical health, slower biological aging and improved mental wellbeing than those who do not, Tan said.

Elam is a perfect example. Her days still have structure and purpose: volunteering on her church's fundraising committee, walking in Fox Hills Park, attending the opera and sharing Sunday dinners with family.

"I like to get dressed, give back to my community and make sure I have a full day," Elam said.

Rosen said that sense of routine and purpose can make a big difference in how people experience retirement.

How to Prepare for a Healthy Retirement

For many, a job gives more than income-it provides routine, purpose and daily social interaction. When the job disappears, the transition can be challenging, particularly for people whose relationships and activities revolve around the workplace.

"Work is sometimes seen as negative," Tan said. "But we shouldn't look at work as evil and vacation or retirement as good. It's really what you make of both situations."

Retirement can even improve the health of some-especially those leaving physically demanding or high-stress careers. Rosen said that some of her retired patients find they have more time to focus on exercise, cook healthier meals, spend time outdoors or explore new interests.

But Tan said the transition works best when people prepare for it.

"People spend years preparing to enter the workforce, but retirement requires discipline, too," he said. "If your friendships and routines are centered on work, you need to start building activities, social connections and interests outside the workplace before you retire so you don't end up isolated."

Rosen recommends that people who are considering retiring take stock of where they find meaning in their lives-whether that purpose comes primarily from work or from activities, hobbies and relationships outside the workplace.

"What matters most are a patient's individual goals and preferences," Rosen said. "It really depends on the individual and what they find most meaningful in their life."

For those who do retire, Rosen said maintaining structure and healthy habits is essential. She recommends aiming for at least 150 minutes of cardio each week and strength training twice a week. She also advises retirees to build social activities into their routines, such as volunteering or scheduling regular get-togethers with friends, to stay socially connected.

Mental stimulation is another important piece. Work often provides daily intellectual challenges, and Rosen said retirees benefit from replacing that engagement with activities such as continuing education, mentoring or doing memory exercises.

Elam, for example, reads every day and keeps her mind active with small mental exercises. If she can't remember the name of something, she runs through the alphabet until a letter triggers her memory.

When Retirement Isn't the Right Fit

For Christine Maclin, retirement simply wasn't a good match.

Maclin, now 79, originally retired from her job as a cook at age 69, planning to rest and enjoy her free time. But after six months, she realized she missed the learning and sense of purpose that work provided.

"I mean, how many movies can you go to? How many coffee shops can you go to?" Maclin said. "I love hanging out with my friends, but ultimately I felt like retirement was time wasted."

She returned to the workforce through a staffing company, first working as a cook for the Magic Castle and the University of Southern California-and later as an associate on the sales floor at Nordstrom. In January 2025, she decided to try something new and took a 10-week course in professional caregiving.

"What Christine has done-finding work and continuing to learn-shows that some patients fare better when they work," Tan, Maclin's physician, said.

Now Maclin works twice a week as a personal caregiver-cooking for her client, socializing and helping with errands-while continuing to learn something new every day.

"I like having somewhere to go and having something to do," Maclin said.

Keeping a Positive Mindset, Retired or Working

Elam and Maclin each attribute their good health to a resilient, positive mindset.

Maclin says occasionally forgetting things is a normal part of life and not something worth getting upset about. Instead of becoming frustrated, she focuses on solving the problem, as she recently did one morning when she couldn't recall if she had taken her medication.

"Instead of getting angry because you forgot something, solve the problem," Maclin said. "I decided that after I take my medication, I just turn the container upside down, so I know."

Elam says she tries to approach the aging process with as much style and grace as possible and avoids worrying prematurely.

Retired or not, she believes the key to staying healthy is simple: "Find activities you enjoy, and always be grateful," Elam said.

Read more from Stories and Insights: Why Exercise Is Important as You Age