Early Retirement and Functional Impairment from a Multi-Ethnic Perspective

Abstract

The overall purpose of the present study was to identify differences between the early retired and the nonretired among three ethnic groups: Whites, Blacks, and Mexican Americans. Analysis focused on a community-based sample of 1,146 residents of San Diego County aged 45 to 64 years. Three categories of variables that were hypothesized to contribute to early retirement were examined: demographic characteristics, self-reported health measures, and Older American Resource and Service (OARS)based objective summary ratings of functional impairment. Results were consistent with the literature and indicated that functional impairment was higher for the early retired within each of the ethnic groups. For both retirement status groups, Mexican Americans reported the most impairment of the three ethnic groups. Discriminant analysis was used to identify the predictive value of the three categories of variables for early retirement status and yielded the following results: age, gender, and the mental health OARS objective functional-impairment score were the only significant discriminators for all groups. Mexican Americans appeared to have the greatest variety of factors contributing to early retirement status, with fewer variables involved for Blacks and fewer still for Whites.