8/8/2019 For the Unemployed Over 50, Fears of Never Working Again

http://slidepdf.com/reader/full/for-the-unemployed-over-50-fears-of-never-working-again 1/5

Gjx tbe U`envcjyed Jwex 56# Gemxq jg @ewex Yjxlo`i Mimo`

WMQBJ@ OQCM@D# Ymqb — Vmtxoaom Xeod oq `jt o` bex 96q# m` mie ybe` nm` Mnexoam`q aj`to`ue

tj yjxl Qbe oq `jt ewe` o` bex 76q Qbe oq kuqt 59

Hut gjux emxq mgtex cjqo`i bex kjh qbe am``jt# o` bex dmxleqt njne`tq# eqamve m `miio`i tbjuibt; qbe

nm `ewex yjxl mimo`

Ajcceie eduamted# yotb m deixee o` huqo`eqq mdno`oqtxmtoj`# qbe oq ervexoe`aed# bmwo`i yjxled gjx 

tyj deamdeq mq m` o`tex`mc mudotjx m`d m`mcqt mt Hjeo`i hegjxe cjqo`i tbmt kjh

Hut tbmt djeq `jt qeen tj nmttex# `jt gjx bex m`d `jt gjx m ixjyo`i `unhex jg vejvce o` tbeox 56q m`d

76q ybj deqvexmtec ym`t jx `eed tj yjxl tj vm gjx xetoxene`t m`d ybj mxe qtmxto`i tj yjxx tbmt

tbe nm he doqamxded gxjn tbe yjxl gjxae — gjxewex

Qo`ae tbe eaj`jnoa ajccmvqe# tbexe mxe `jt e`juib kjhq heo`i axemted gjx tbe vjvucmtoj` mq m ybjce#

nuab ceqq gjx tbjqe o` tbe tyocoibt jg tbeox amxeexq

Jg tbe =4? noccoj` u`envcjed# njxe tbm` 88 noccoj` mxe 55 jx jcdex @emxc bmcg jg tben bmwe hee`

u`envcjed qor nj`tbq jx cj`iex# maajxdo`i tj tbe Cmhjx Devmxtne`t Tbe u`envcjne`t xmte o` tbe

ixjuv — 91 vexae`t — oq mt m xeajxd# njxe tbm` djuhce ybmt ot ymq mt tbe heio``o`i jg tbe cmteqt

xeaeqqoj`

8/8/2019 For the Unemployed Over 50, Fears of Never Working Again

http://slidepdf.com/reader/full/for-the-unemployed-over-50-fears-of-never-working-again 2/5

Mgtex jtbex xeae`t djy`tux`q# jcdex vejvce ybj cjqt kjhq gxetted mhjut bjy cj`i ot yjucd tmle tj

xetux` tj tbe yjxl gjxae m`d yjxxoed tbmt tbe noibt `ewex xeajwex tbeox gjxnex o`ajneq Hut tjdm#

 heamuqe ot yocc tmle emxq tj mhqjxh tbe iom`t vjjc jg u`envcjed mt tbe eaj`jn‟q xeae`t vmae# nm`

jg tbeqe jcdex vejvce nm qonvc mie jut jg tbe cmhjx gjxae hegjxe tbeox cual abm`ieq

Gjx Nq Xeod# ot bmq hee` gjux emxq jg bu`to`i — yotbjut m qo`ice kjh jggex Qbe hu{{eq e`exietoamccmq qbe deqaxoheq tbe aju`tceqq mvvcoamtoj`q qbe bmq cjhhed tbxjuib tbe O`tex`et# mq yecc mq tbe j`co`e

ajuxqeq qbe oq tmlo`i tj hux`oqb bex qjgtymxe qloccq

Qtocc# ybe` qbe oq vxeqqed# bex am`.dj qvoxot gmctexq

–Tbexe mxe tbeqe gemxq o` tbe hmalixju`d# m`d tbe mxe quvvxeqqed#„ qmod Nq Xeod# ybj oq `jy qecco`iqjne jg bex keyecx m`d acjtbeq j`co`e m`d oq cmte j` qjne axedot amxd vmne`tq –O bmwe bmd

`oibtnmxeq mhjut heajno`i m hmi cmd#„ qbe qmod –Ot ajucd bmvve` tj m`j`e Qj nm` vejvce mxe qj

acjqe tj ot# m`d tbe dj`‟t ewe` xemco{e ot„

Heo`i u`envcjed mt m` mie am` he axuqbo`i Hut jcdex yjxlexq quqveat tbeox xïqunïq jgte` iet

qbjwed mqode o` gmwjx jg tbjqe gxjn ju`iex yjxlexq Jtbexq doqajwex tbmt tbeox kjh.qeelo`i qloccq — mq yecc mq qjne teab`oamc qloccq qjuibt h envcjexq — mxe xuqt mgtex emxq jg yjxlo`i gjx tbe qmne

ajnvm`

Nm` bmd o` gmat m`toaovmted yjxlo`i vmqt aj`we`toj`mc xetoxene`t mieq tj ioxd tbenqecweq go`m`aomcc

gjx cj`iex coge qvm`q# erve`qowe bemctb amxe m`d xeduaed ve`qoj` iumxm`teeq

Tbe njqt xeae`t xeaeqqoj` bmq o`axemqed tbe `eed tj erte`d yjxlo`i coge Bjne wmcueq# jgte` m

gmnoc‟q njqt onvjxtm`t mqqet# bmwe hee` hmttexed Qtjal vjxtgjcojq mxe j`c `jy qtmxto`i tj xeajwex

Maajxdo`i tj m Imccuv vjcc o` Mvxoc# njxe tbm` m tboxd jg vejvce `jt et xetoxed vcm` tj yjxl hej`d

mie 75# ajnvmxed yotb kuqt =8 vexae`t o` =??5

Jcdex yjxlexq ybj cjqe tbeox kjhq ajucd vjqe m vjcoa vxjhcen og tbe cjqe tbeox mhocot tj he

qecg.quggoaoe`t –Tbmt‟q ybmt ye qbjucd he yjxxo`i mhjut#„ qmod Amxc E Wm` Bjx`# vxjgeqqjx jg 

 vuhcoa vjcoa m`d doxeatjx jg tbe Kjb` K Becdxoab Ae`tex gjx Yjxlgjxae Dewecjvne`t mt Xutiexq

U`owexqot# –ybmt ot nem`q tj tboq acmqq jg tbe `ey u`envcjmhceq# vejvce ybj bmwe hee` amqt mdxogtmt m wex wuc`exmhce vmxt jg tbeox amxeex m`d tbeox coge„

Gjxaed emxc xetoxene`t onvjqeq m` o`te`qe go`m`aomc qtxmo`# vmxtoaucmxc gjx tbjqe mt cjyex o`ajneq

Tbe xeaeqqoj` m`d otq mgtexnmtb bmwe mcxemd vuqbed djy` qjne jcdex yjxlexq O` goiuxeq xecemqed

cmqt yeel h tbe Ae`quq Huxemu# tbe vjwext xmte mnj`i tbjqe 55 tj 74 o`axemqed tj ?4 vexae`t o`866?# gxjn 27 vexae`t o` 8669

Hut ewe` noddce.acmqq vejvce ybj noibt qlmte h j` qmwo`iq jx m qvjuqe‟q o`ajne mxe kmxxed h m`mhxuvt e`d tj yjxlo`i coge m`d tj m qeauxe xetoxene`t

–Tbmt‟q ybmt O qve`t n ybjce coge o` vuxquot jg# ymq qeauxot#„ Nq Xeod qmod –U`toc tbe cmqt gey

emxq# O gect wex qeauxe o` n kjh„

Mq m` mudotjx# Nq Xeod cjwed goiuxo`i jut tbe lo`lq o` m nm`ugmatuxo`i jx vmxtq decowex vxjaeqq Hut

mgtex njxe tbm` 86 emxq jg ajnnuto`i maxjqq Vuiet Qju`d tj Hjeo`i# Nq Xeod ymq erbmuqted ybe`

qbe ymq cet ij gxjn bex $26#666.m.emx kjh

Qtu``ed m`d devxeqqed# qbe qe`t jut xïqunïq# hut goiuxed qbe bmd m cottce tone tj xeajwex Qj qbe tjjl 

wmamtoj`q tj Tuxle m`d Tbmocm`d yotb bex buqhm`d# ybj oq m bjne xevmoxnm` Qbe qjuibtaboxjvxmatoa txemtne`tq gjx m `eal o`kux m`d becved `uxqe m vxoeqt do`i jg am`aex

8/8/2019 For the Unemployed Over 50, Fears of Never Working Again

http://slidepdf.com/reader/full/for-the-unemployed-over-50-fears-of-never-working-again 3/5

Njqt jg bex dmq `jy mxe qve`t o` gxj`t jg m cmvtjv# bjced uv o` m coibtbjuqe imxxet mtjv tbe bjuqe tbmt

bex buqhm`d# De`` Noecjal# huoct o` tbe =??6q j` m hxemtbtmlo`i voeae jg vxjvext jwexcjjlo`i tbe

qju`d

Mq qbe hxjyqeq tbe kjh coqto`iq tbmt acji bex e.nmoc o`.hjr# qbe xeguqeq tj iowe o` tj bex gemxq –Og O cetnqecg tbo`l cole tbmt mcc tbe tone#„ qbe qmod# –O ajucd `jt ewe` hemx ietto`i jut jg hed o` tbe

njx`o`i„

Yotb bex buqhm`d‟q bjne xevmox huqo`eqq vunneced h tbe bjuqo`i djy`tux`# tbe hoccq mxe nju`to`i

Mctbjuib tbe ajuvce dj `jt bmwe m njxtimie j` tbeox 1#666.q}umxe.gjjt bjuqe# tbe vm acjqe tj

$9#666 m emx o` vxjvext tmreq Tbe xjjg oq cemlo`i Tbeox utocot hoccq am` he $166 m nj`tb o` tbeyo`tex# ewe` tbjuib tbe jgte` leev tbe tbexnjqtmt tux`ed djy` tj 56 deixeeq

Tbe ajucd tx tj qecc tbeox bjne# hut iowe` tbe devxeqqed bjuqo`i nmxlet# tbe mxe xecuatm`t

–Ye mxe aoxaco`i tbe dxmo` bexe# m`d O mn hmoco`i cole becc#„ qmod Nq Xeod# enotto`i m` o`aj`ixujuq

amalce# mq og cmuibtex oq tbe j`c xeqvj`qe tj bex vcoibt –Hut tbe hjmt oq qtocc qo`lo`i„

Ot oq `jt kuqt tbe go`m`aeq tbmt bmwe deqtmhoco{ed bex coge

Bex buqhm`d yjxxoeq tbmt qbe oqjcmteq bexqecg m`d tbmt qbe djeq `jt qjaomco{e e`juib –Ye‟we hjtb

 hee` bmxd yjxlexq jux ybjce coweq#„ qmod Nx Noecjal# 5? Nq Xeod qjnetoneq xjqe kuqt mgtex 1 mn

tj nmle tbe bjuxcj`i ajnnute tj Hjeo`i‟q dmtm ae`tex o` Heccewue m`d mtte`ded `oibt qabjjc tj emx`

m nmqtex‟q o` nm`miene`t o`gjxnmtoj` qqtenq

–M kjh oq njxe tbm` m kjh# ju l`jy#„ Nx Noecjal qmod –Ot‟q ybexe ju got o` qjaoet„

Bexe o` tbe ixemtex Qemttce mxem# m gogtb jg tbjqe acmono`i erte`dedu`envcjne t̀ he`egotq mxe 55 m`d jcdex

Tj becv qe`ojxq vjcoqb tbeox kjh.qeelo`i qloccq# YjxlQjuxae# m cjamc

aj`qjxtoun jg ijwex`ne`t m`d `j`vxjgot ixjuvq# xeae`tc heim`jggexo`i qeno`mxq J` m xeae`t njx`o`i# =4 vejvce imtbexed o` m

yo`djyceqq aj`gexe`ae xjjn mt m cjamc ajnnu`ot ajcceie tj iet

tovq j` bjy tj mie.vxjjg tbeox xïqunïq m`d degceat }ueqtoj`q mhjut

 heo`i jwex}umcogoed

Njtowmtoj`mc vjqtexq bu`i j` j`e ymcc# hemxo`i qcjim`q cole –Gmocuxe

oq tbe vmtb jg cemqt vexqoqte`ae„

Uqo`i VjyexVjo`t qcodeq# Co{ Bjycm`d# tbe abovvex hut `j.`j`qe`qeqeqqoj` cemdex# vxjkeated qjne ajnnj` ntbq mhjut jcdex 

 kjh.qeelexq j` m qaxee`; –Jcdex yjxlexq mxe ceqq amvmhce jg 

ewmcumto`i o`gjxnmtoj`# nmlo`i deaoqoj`q m`d vxjhcen.qjcwo`i„ jx 

–Jcdex yjxlexq mxe xoiod m`d o`gcerohce m`d bmwe txjuhce mdmvto`i tj

abm`ie„

Nq Bjycm`d# 7=# toaled jgg tbe xemqj`q tbjqe qtmtene`tq yexe

o`maauxmte Hut m acemx u`dexauxxe`t jg m`roet xm` tbxjuib tbe xjjn–Oq ot xemcc txue tbmt og ju bmwe tbe e`exi m`d tbe vmqqoj` tbmt tbe

yocc jwexcjjl tbe mie gmatjx:„ mqled m 7=.emx.jcd nm` ybj bmd hee` cmod jgg gxjn m gux`otuxe nmlex cmqt Jatjhex

8/8/2019 For the Unemployed Over 50, Fears of Never Working Again

http://slidepdf.com/reader/full/for-the-unemployed-over-50-fears-of-never-working-again 4/5

Imccjyq bunjx xeoi`ed Mq Nq Bjycm`d — ybj quiieqted tbmt mvvcoam`tq xenjwe m` dmteq jcdex 

tbm` =5 emxq gxjn tbeox xïqunï — mdwoqed tbe ixjuv j` bjy tj go`eqqe o`texwoey }ueqtoj`q cole

–Ybe` dod ju bmwe tbe kjh tbmt becved ju dewecjv tbmt qlocc:„ j`e jut.jg.yjxl kjux`mcoqt

demdvm``ed; –Bjy mhjut ‒duxo`i tbe 86tb ae`tux:‟ „

Duxo`i m hxeml# M``e Xoabmxd# ybj deaco`ed tj iowe bex mie# aj`geqqed qbe ymq mgxmod qbe yjucd `jt

 he mhce tj yjxl mimo` mgtex cjqo`i bex aj`txmat mq m bjuqe doxeatjx mt m U`owexqot jg Ymqbo`itj`qjxjxot o` Ku`e Mctbjuib qbe bmd 86 emxq jg ervexoe`ae mq m` jggoae acexl o` Abmttm`jjim# Te``#

qbe gemxed bex teab`jcji qloccq bmd gmcce` hebo`d

–O dj`‟t geec cole O am` ajnvete yotb lodq ybj bmwe hee` j` ajnvutexq mcc tbeox coweq#„ qmod NqXoabmxd# ybj ymq qceevo`i j` tbe ajuab jg m ajuvce qbe bmd net mt abuxab m`d aj`tenvcmto`i

onno`e`t bjneceqq`eqq

Jcdex vejvce ybj cjqe tbeox kjhq tmle cj`iex tj go`d yjxl O` Muiuqt# tbe mwexmie tone u`envcjed

gjx tbjqe 55 m`d jcdex ymq qcoibtc njxe tbm` 1? yeelq# maajxdo`i tj tbe Cmhjx Devmxtne`t# tbe

cj`ieqt jg m` mie ixjuv Tbmt oq nuab yjxqe tbm` o` Muiuqt =?21# mcqj mgtex m deev xeaeqqoj`# ybe`qjnej`e u`envcjed o` tbmt mie ixjuv qve`t m` mwexmie jg 895 yeelq go`do`i yjxl

Mt tboq emx‟q vmae jg m` mwexmie jg 28#666 `ey kjhq m nj`tb# ot yocc tmle mt cemqt eoibt njxe emxq tjaxemte tbe 2 noccoj` vjqotoj`q cjqt duxo`i tbe xeaeqqoj` M`d tbmt djeq `jt ewe` mccjy gjx vjvucmtoj`

ixjytb

Mdwjamteq gjx tbe ecdexc yjxx tbmt ju`iex vejvce mxe njxe colec tj gocc tbe `ey kjhq mq yecc

–O dj tbo`l tbe cj`iex qjnej`e oq jut jg yjxl# tbe njxe envcjexq mxe ijo`i tj }ueqtoj` yb ot oq tbmt

qjnej`e bmq`‟t hee` mhce tj go`d yjxl#„ qmod Qmxm Xor# qe`ojx qtxmteioa vjcoa mdwoqex mt MMXV# tbe

cjhho`i ixjuv gjx qe`ojxq –Tbeox qloccq bmwe mtxjvboed gjx j`e tbo`i# m`d teab`jcji abm`ieq qjxmvodc tbmt ewe` og `jtbo`i bmvve`ed tj tbe qloccq tbmt ju bmwe# tbe nm heajne o`axemqo`ic ceqq

xecewm`t tj tbe kjhq tbmt mxe heajno`i mwmocmhce„

O` gjux emxq jg kjh bu`to`i# Nq Xeod bmq doqajwexed tbmt qbe oq `j cj`iex teab`jcjioamcc vxjgoaoe`tO` j`e jg m bm`dguc jg o`texwoeyq qbe bmq qeauxed# gjx m` mudoto`i vjqotoj` mt tbe Vjxt jg Qemttce# qbe

cemx`ed tbmt tbe kjh xe}uoxed qloccq o` VejvceQjgt# go`m`aomc qjgtymxe qbe bmd `ewex uqed Qbe mqquneq

tbmt degoaoe`a ajqt bex tbe kjh

Nq Xeod oq qtocc gowe emxq mym gxjn heo`i ecoiohce gjx Qjaomc Qeauxot Hut ewe` tbe`# qbe yjucd hedxmyo`i emxc# yboab xeduaeq nj`tbc vmne`tq Tmlo`i Qjaomc Qeauxot mt 78 nem`q m xetoxee yjucd

xeaeowe m 85 vexae`t cjyex nj`tbc vmjut tbm` og qbe yjxled u`toc 77

Nq Xeod oq o` qjne ymq cualoex tbm` jtbexq Hjeo`i vmod bex m qor.nj`tb qewexm`ae# m`d qbe bmqbemctb amxe he`egotq tbmt ajwex bex m`d bex buqhm`d gjx $46 m nj`tb

M`d qbe mdnotq qjne xeixetq; qbe bmd m $=26#666 hmcm`ae o` bex 46="l/ maaju`t# m`d vmod $26#666 o`

 ve`mctoeq m`d tmreq ybe` qbe amqbed ot jut emxc Qbe dod `jt xeo` o` bex erve`qeq xoibt mym M`d

`jy# bex $566.m.yeel u`envcjne`t he`egotq bmwe hee` erbmuqted

Qbe bmq qo`ae aut hmal# gjxijo`i @jxdqtxjn qbjvvo`i qvxeeq m`d tbemtex quhqaxovtoj`q# hut mcqj

autto`i jut xed nemt mt bjne m`d vutto`i jgg bjne xevmoxq

O` jxdex tj }umcog gjx maaju`to`i vjqtq# qbe oq tmlo`i m` j`co`e txmo`o`i ajuxqe o` ]uoalHjjlq# m vjvucmx maaju`to`i qjgtymxe uqed h qnmcc huqo`eqqeq Qbe xeae`tc qoi`ed uv gjx m tmr ajuxqe mt m`

8/8/2019 For the Unemployed Over 50, Fears of Never Working Again

http://slidepdf.com/reader/full/for-the-unemployed-over-50-fears-of-never-working-again 5/5

B'X Hcjal tmr vxevmxmtoj` jggoae o` Qemttce

M`d qbe oq vcuiio`i mbemd yotb bex auxxe`t vcm`; tj qe`d jut 766 mvvcoamtoj`q tj maaju`to`i goxnq o`

tbe mxem# jggexo`i bex qexwoaeq gjx tbe `ert tmr qemqj` Ewe`tumcc# qbe ym`tq tj jve` bex jy`

 huqo`eqq

Yotb jdd kjhq m`d bex buqhm`d‟q — mcheot qbxoweced — emx`o`iq# qbe ajucd qtmiiex mcj`i Gjx `jy#

qbe qtotabeq tjietbex m` o`ajne h imxde`o`i gjx `eoibhjxq# becvo`i geccjy abuxab nenhexq yotbtbeox ajnvutexq# m`d vmxtoaovmto`i o` O`tex`et quxweq gjx mq cottce mq $5 mvoeae

–_ju dj`‟t `eaeqqmxoc bmwe tj ij tbxjuib tbe djjx#„ Nq Xeod qmod –_ju am` ij mxju`d ot m`d ij

u`dex ot O am` he wex axemtowe O tbo`l tbmt O yocc ewe`tumcc nm`mie tj vucc tboq tjietbex„

bttv;**yyy`toneqajn*86=6*6?*86*huqo`eqq*eaj`jn*86jcdexbtnc:vmieym`ted>mcc