Adjusting to life after work

Retirement is an exciting time, but it also represents a big lifestyle change and can even be a bit daunting.

You may be looking forward to stopping work and having more free time, or you might miss the routine of the working day and worry about how you’ll fill your time.

Things to do

With an almost infinite number of things you could do, here are a few ideas.

  • Hobbies – consider how much time you’ll want to spend on a particular activity, whether it provides enough opportunity to be with other people, and how much it might cost.
  • Learn something new – retirement doesn’t mean you have to stop learning and discovering new things. Many people over age 55 take formal qualifications at university or college or pursue more informal courses to learn something new. See what the Open University has to offer or the University of the Third Age for more informal opportunities.
  • Become a volunteer – helping others and getting more involved in your local community can be very fulfilling. Think about the skills you have to offer and how much time you can commit. National charities always welcome volunteers or there may be something closer to home such as your parish council or board of school governors.
  • Working – this might be the last thing you fancy doing but many older people take part-time or less demanding roles to provide some structure to their lives, earn a bit of extra cash or to do something they enjoy.

Look after yourself

It’s also a good idea to give some thought to your health and wellbeing. Once you reach a certain age, you become entitled to a number of benefits:

  • Free NHS eye test for over 60s.
  • Free NHS prescriptions for over 60s in England and Wales.
  • Flu jab – free to anyone over 65 who is advised to have it.
  • Free health check – anyone between the ages of 40 and 74 is eligible for a free NHS health check every five years.

Look after your finances

In addition to your benefits from the Cummins Plan, you may have pensions through other companies you’ve worked for, have a personal pension or qualify for government benefits.

  • State pension and benefits – visit the government website where you can check your State pension age or your State pension entitlement and other benefits.
  • Find a lost pension – if you’ve moved between jobs when you were working and have lost track of a pension you might have, you can use the Pension Tracing Service.  

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