Persaraan Wajib Pada Umur 58 Tahun - Antara khabar Gembira & Duka
Filed Under Isu Semasa · Tagged: ceupacs, jawatan kosong, mengganggur, pencen, penggangguran, umur 58
Assalamualaikum & salam sejahtera..
Pada 10 Mei yang lalu Perdana Menteri kita telah mengumumkan menerima permintaan CEUPACS untuk meningkatkan had umur persaraan wajib bagi kaki tangan awam dari 56 tahun kepada 58 tahun.
Sewaktu mendengar berita ini, saya yakin pasti ada yang gembira dan ada yang berduka.
Bagi mereka yang masih belum mahu meninggalkan jawatan disebabkan masih banyak komitmen kewangan tentulah merasa gembira 
Tetapi bagi mereka mengidamkan jawatan yang bakal dikosongkan tahun ini akibat persaraan wajib ketua mereka tentunya sedikit berduka. 2 tahun lagi kena tunggu dan macam-macam boleh berlaku dalam masa 2 tahun. Saya? saya pun tention juga dengan khabar ini. Ingatkan bulan 8 ni dah tenang rupa-rupanya kena bersabar 2 tahun lagi 
Saya sebenarnya tidak faham apa rasionalnya CEUPACS meminta supaya umur persaraan dinaikan ke 60 tahun. Jika ada sesiapa yang faham boleh tolong jelaskan kepada saya yang masih kabur ini.
Apa yang saya lihat, bagi pekerja sektor awam yang tidak berjawatan, bila umur sudah hampir menjangkau had persaraan. Walau mungkin ada 5 tahun lagi, mood bekerja mereka seakan-akan sudah tiada. Tidak dinafikan ramai yang masih bersemangat. Malah ada yang lebih hebat dan lebih bersemangat dari orang muda walaupun usia menjangkau pencen. Tetapi masalahnya yang kurang bersamangat adalah lebih dari itu
Dan lagi satu isu yang timbul ialah, kemungkinan besar dalam tempoh 2 tahun ini, jawatan kosong dalam khidmat awam akan berkurangan. Dan makin bertambahlah golongan penganggur
Keputusan sudah dibuat dan diharapkan satu mekanisma dapat dijalankan untuk mengatasi kesan sampingan yang pasti wujud.
Sekian wassalam
In my view the most important criteria in allowing extension of services is your dedication to teach or other services. In my experience I have noticed that once a worker has reached 50 he is no longer keen to teach or work. In most cases he is no longer productive and not really physically fit to give his best to his profession. We should not look at the extension of retirement from a selfish point of view but the over all benefit to society. There are thousands of jobless university and school graduates trying to start their life looking for work,starting their family and they are being denied by these old rotting pieces furniture clogging and burdening the civil services. But if you can really work and contribute to society it is good, but if you are not then you become a burden to society and its better you retire making way for new blood. I really do feel CUEPACS have really over stepped their demands. CUEPACS should count their blessings compared to those in the private sector. AAB should not have complied, the effect woo;d be seen in a few years of this silly step taken for the selfish few/ The school and government offices will be full of geriatrics who are not committed to work
The following article taken from http://atpayplan.natca.net
with regard to extending retirement age and its effect on lifespan
Optimum Strategies for Creativity and Longevity
1. Most Creative Years in the Life
The Nobel Laureate, Dr. Leo Esaki, delivered the distinguished lecture entitled “Innovation and Evolution: Reflections on a Life in Research” in the University of Texas at Dallas in the afternoon of Feb. 23, 2002 during the 2002 US National Engineering Week. In this lecture, Dr. Esaki indicated that most of the great discoveries and innovations by the Nobel Laureates occurred at the average age of 32 even though the Nobel prizes were awarded 10 or 20 years afterwards. Furthermore, Dr. Esaki indicated that the peak creativity of most scientists occurred around the age range of 20 to 30 years. As one gets older, the experience increases but the creativity decreases steadily with the age.
It is, therefore, very important to stimulate, encourage and cultivate many young people to get interested in science and engineering at their young age and to provide the optimal R&D environment for these very powerful young scientists and engineers to unleash their very strong creativities during their most precious and creative years around the age of 32.
2. Longevity Vs. Retirement Age
The pension funds in many large corporations (e.g., Boeing, Lockheed Martin, AT&T, Lucent Technologies, etc.) have been “Over Funded” because many “late retirees” who keep-on working into their old age and retire late after the age of 65 tend to die within two years after their retirements. In other words, many of these late retirees do not live long enough to collect all their fair shares of pension money such that they leave a lot of extra-unused money in the pension funds resulting in the over-funded pension funds.
Dr. Ephrem (Siao Chung) Cheng provided the important results in the following Table 1 and the associated chart from an actuarial study of life span vs. age at retirement. The study was based on the number of pension checks sent to retirees of Boeing Aerospace.
Table 1 – Actuarial Study of life span vs. age at retirement.
Age at
Retirement
Average Age
At Death
49.9
86
51.2
85.3
52.5
84.6
53.8
83.9
55.1
83.2
56.4
82.5
57.2
81.4
58.3
80
59.2
78.5
60.1
76.8
61
74.5
62.1
71.8
63.1
69.3
64.1
67.9
65.2
66.8
Table 1 and the chart indicate that for people retired at the age of 50, their average life span is 86; whereas for people retired at the age of 65, their average life span is only 66.8. An important conclusion from this study is that for every year one works beyond age 55, one loses 2 years of life span on average.
The Boeing experience is that employees retiring at age of 65 receive pension checks for only 18 months, on average, prior to death. Similarly, the Lockheed experience is that employees retiring at age of 65 receive pension checks for only 17 months, on average, prior to death. Dr. David T. Chai indicated that the Bell Labs experience is similar to those of Boeing and Lockheed based on the casual observation from the Newsletters of Bell Lab retirees. A retiree from Ford Motor told Dr. Paul Tien-Lin Ho that the experience from Ford Motor is also similar to those in Boeing and Lockheed.
The statistics shown in the Pre-Retirement Seminar in Telcordia (Bellcore) indicates that the average age that Telcordia (Bellcore) employees start retirement is 57. Therefore, people who retire at the age of 65 or older are minority as compared to the number of early retirees.
The hard-working late retirees probably put too much stress on their aging body-and-mind such that they are so stressed out to develop various serious health problems that forced them to quit and retire. With such long-term stress-induced serious health problems, they die within two years after they quit and retire.
On the other hand, people who take early retirements at the age of 55 tend to live long and well into their 80s and beyond. These earlier retirees probably are either wealthier or more able to plan and manage their various aspects of their life, health and career well such that they can afford to retire early and comfortably.
These early retirees are not really idling after their early retirements to get old. They still continue doing some work. But they do the work on the part-time basis at a more leisure pace so that they do not get too stressed out. Furthermore, they have the luxury to pick and chose the types of part-time work of real interest to them so that they can enjoy and love doing that “fun” work at a more leisure pace.
The late retirees are small in number, tend to die quickly after retirement and disappear from the population of old people beyond the age of 70. Late retirees, therefore, have very little weight on the statistical average life expectancy of the population of “old people” dominated by the early retirees.
Several years ago, a Japanese friend of mine told me that most Japanese people retire at the age of 60 or earlier. This may be one of the factors contributing to the long average life span of Japanese people.
3. Changing Trend of US Pension Plans
The traditional pension plans of many major US companies used to place a lot of value on the experience of long-term older employees by increasing the pension money rapidly and nonlinearly for long-term employees as their age + service year increases beyond the threshold of the rule of 75. Most long-term employees cross this critical threshold at about the age of 55. On the other hand, the early retirees incur very heavy penalty in pension and in other associated retiree benefits (e.g., employer paid medical insurance, employer paid life insurance, death benefits for family, etc.) when they retire before they meet the rule of 75.
However, in recent few years, many large US corporations are switching from their traditional retirement pension plans to the new portable Cash Balance Plans. The new portable cash balance plans are much more favorable to the younger employees but are very unfavorable to the long-term older employees. Some older long-term employees found that when their employers switched from the traditional pension plans to the cash balance plan, their pensions were reduced by 30% to 50%.
One of the implications of this trend towards the new cash balance plan is that the US corporations are now placing more value on the higher creativity and adaptability of younger employees and less value on the experience of the older employees. This is consistent with the accelerating pace of innovations and technology advances. The creative and dynamic younger employees are better positioned, than the older employees do, to keep up with the faster pace of technology advances.
4. Conclusion and Recommendations
The most precious, creative and innovative period in your life is the 10-year period around the age of 32. Plan your career path to use this precious 10-year period wisely and effectively to produce your greatest achievements in your life.
The pace of innovations and technology advances is getting faster and faster and is forcing everybody to compete fiercely at the Internet speed on the information super-highways. The highly productive and highly efficient workplace in USA is a pressure-cooker and a high-speed battleground for highly creative and dynamic young people to compete and to flourish.
However, when you get older, you should plan your career path and financial matter so that you can retire comfortably at the age of 55 or earlier to enjoy your long, happy and leisure retirement life into your golden age of 80s and beyond. In retirement, you can still enjoy some fun work of great interest to you and of great values to the society and the community, but at a part-time leisure pace on your own term.
On the other hand, if you are not able to get out of the pressure-cooker or the high-speed battleground at the age of 55 and “have” to keep on working very hard until the age of 65 or older before your retirement, then you probably will die within 18 months of retirement. By working very hard in the pressure cooker for 10 more years beyond the age of 55, you give up at least 20 years of your life span on average.
Wa.. Good point from Dr Boulevard Gumbo, tq.
erm…rasanyer cukup ler had umor 56 keje..means 34 thn aunty bekerja…pada masa tu…
tapi bagi orang yang ‘mampu’ mungkin boleh extend over 60 years…semuanyer bergantung pada kemampuan n komitment masing-masing..
‘Rambut sama jer hitam,TAPi dalam hati n pemikiran memangnyer lain-lain”