WORK­ING AF­TER 65

Sunday Independent (Ireland) - Business & Appointments - - FRONT PAGE -

Should you wish, or need, to con­tinue work­ing beyond the age of 65, take a dif­fer­ent ap­proach to job-seek­ing than when you were young. “Think about work — not ca­reer,” said Derek Bell of the Re­tire­ment Plan­ning Coun­cil (RPC). “At that stage of your life, you’re work­ing for an in­come — not to progress your ca­reer. A lot of peo­ple get hung up on having a per­ma­nent con­tract — how­ever, typ­i­cally the older you are, the more likely you are to be of­fered a fixed-term con­tract. De­cide too on the min­i­mum re­mu­ner­a­tion you need to make it worth your while to work. Don’t just fo­cus on the salary — think of the whole pack­age, in­clud­ing holiday leave, sick leave, and other ben­e­fits.” are de­cid­ing what to do in re­tire­ment, they of­ten get paral­ysed by the amount of choice they have. De­cid­ing what you don’t want to do can help to nar­row your choice — for ex­am­ple, you may not want to work shifts or to up­skill.” The State equal­ity body, the Ir­ish Hu­man Rights and Equal­ity Com­mis­sion (IHREC), has put to­gether guide­lines to help en­sure that older work­ers, who wish to con­tinue to work, are not dis­crim­i­nated against in the work­place.

The guide­lines fo­cus on the com­pul­sory re­tire­ment age of­ten in­cluded in em­ploy­ment con­tracts — and on the pro­vi­sion of fixed-term con­tracts to em­ploy­ees over that com­pul­sory re­tire­ment age. The guide­lines out­line when it might be le­git­i­mate for an em­ployer to have a com­pul­sory re­tire­ment age in an em­ploy­ment con­tract — or to refuse to of­fer a fixed-term con­tract to some­one beyond that com­pul­sory re­tire­ment age. For ex­am­ple, if a manda­tory re­tire­ment age is clearly set out in a con­tract and is stan­dard for most em­ploy­ees, that manda­tory em­ploy­ment age will usu­ally ap­ply.

Sim­i­larly, if a high level of fit­ness is re­quired for a job it may be le­git­i­mate for an em­ployer not to of­fer an em­ployee a fixed-term con­tract beyond the manda­tory re­tire­ment age — if the em­ployee un­der­goes a med­i­cal exam and that exam shows they’re not fit or com­pe­tent to do their job. How­ever, if a per­son is not of­fered a fixed-term con­tract be­cause they had no fam­ily de­pen­dants and there­fore their em­ployer doesn’t feel they needed the work beyond 65, that could be deemed dis­crim­i­na­tion — if em­ploy­ees with fam­ily de­pen­dants are treated dif­fer­ently.

Canny fi­nan­cial plan­ning can en­sure you’re able to en­joy your re­tire­ment

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