Skip to main content

Mechanic John Grace, 61, works on a police vehicle at the Halton region garage in Georgetown, Dec. 4, 2012.

J.P. MOCZULSKI/The Globe and Mail

Canadians who didn't finish high school are extending their working lives at virtually the same rate as those with a postsecondary education, even though they're likely to die sooner and have less time in retirement.

In 2009, a 50-year-old could expect to keep working for slightly more than 14 more years whether he or she had low levels of schooling or a postsecondary education, according to a new study from Statistics Canada. That's an increase of about two years since 1998 and a major shift in the life pattern of Canadians. But those with less than a high-school diploma, who often work physically demanding jobs and are often in poorer health, can expect to live only to about the age of 82 and a half, the study says. Those with a postsecondary education can expect to live to 86.

This is the first time a study has described the shift to longer working lives using education levels, along with a new measurement tool that more accurately predicts expected retirement dates, said Diane Galarneau, co-author of the study.

Story continues below advertisement

Lars Osberg, chair of the economics department at Dalhousie University, said the study's findings match a broader trend being seen around the world. People are living longer and also working longer. In some cases, it's because they like what they do, in other cases it's a financial necessity.

"It's a good thing for people who are enjoying their work and have the level of income at which it's a choice. For those who are doing it because they really don't have an alternative financially, it just means working till you drop, and it's kind of tough for them," Prof. Osberg said.

John Grace, 61, works a physically demanding job as a mechanic for the Region of Halton, northwest of Toronto. On Tuesday he was repairing the exhaust manifest of a police vehicle, but he handles everything from weed whackers to dump trucks. He left high school after Grade 10 and did an apprenticeship to qualify in his trade at at 19. He had been thinking of working until he turned 67, but lately has been eyeing 65 as his potential retirement date, which would still mean surpassing the current retirement average of 64.

"At that point I'll have 46 years in my trade. I'll be getting long in the tooth and it could be time to do something different," he said.

Mr. Grace is an outlier. Typically mechanics have a hard time staying on the floor through their 50s, because their work involves so much lifting, bending and twisting. Mr. Grace, though, has taken an extremely active approach to his health. He's a celebrated triathlete who cycles 350 kilometres a week in the summer on top of his running and swimming. Yesterday was a light day for Mr. Grace, who planned a mere one-hour swim after a 10-hour workday.

"Age isn't really an issue right now," he said. He expects to keep his good health well into his 80s, as both his parents have done, and hopes to enjoy retirement in a warm climate so he can cycle year-round.

Does Canada's retirement system unfairly penalize those with lower levels of education since it supports them for a shorter time? As University of British Columbia economist Kevin Milligan points out, the system also penalizes men, who die sooner than women on average but receive no additional pension payments to compensate.

Story continues below advertisement

And while those at the bottom of the scale may not live as long, they receive significant post-retirement benefits. The bottom 20 per cent of income earners can actually expect to have more money in retirement than they did while they were working, Prof. Milligan said.

The trend to later retirement should have a positive impact on the looming labour shortage that was expected to coincide with the baby boom generation's move toward retirement. The first of the baby boomers turned 65 this year, but if this trend continues labour force numbers may not drop as quickly as predicted.

"It's going to push us in the right direction," Prof. Milligan said. "We're going to be able to get a bit more out of the labour force we have."

It should be remembered that retirement is a relatively recent concept, Prof. Osberg said. In 1921 just under 60 per cent of all men over 65 were still in the labour force. Today it's about 16 per cent. That number is likely to climb in the coming years, Prof. Osberg said.

 

Expected working life at age 50 in 2009:

Less than high school: 14.3 years

Story continues below advertisement

Postsecondary: 14.6 years

Expected working life at 50 in 1998:12 years for all education levels

Life expectancy at 50 in 2009:Less than high school: 82.4 years

Postsecondary: 86 years

Report an error Editorial code of conduct
Comments

Welcome to The Globe and Mail’s comment community. This is a space where subscribers can engage with each other and Globe staff. Non-subscribers can read and sort comments but will not be able to engage with them in any way. Click here to subscribe.

If you would like to write a letter to the editor, please forward it to letters@globeandmail.com. Readers can also interact with The Globe on Facebook and Twitter .

Welcome to The Globe and Mail’s comment community. This is a space where subscribers can engage with each other and Globe staff. Non-subscribers can read and sort comments but will not be able to engage with them in any way. Click here to subscribe.

If you would like to write a letter to the editor, please forward it to letters@globeandmail.com. Readers can also interact with The Globe on Facebook and Twitter .

Welcome to The Globe and Mail’s comment community. This is a space where subscribers can engage with each other and Globe staff.

We aim to create a safe and valuable space for discussion and debate. That means:

  • All comments will be reviewed by one or more moderators before being posted to the site. This should only take a few moments.
  • Treat others as you wish to be treated
  • Criticize ideas, not people
  • Stay on topic
  • Avoid the use of toxic and offensive language
  • Flag bad behaviour

Comments that violate our community guidelines will be removed. Commenters who repeatedly violate community guidelines may be suspended, causing them to temporarily lose their ability to engage with comments.

Read our community guidelines here

Discussion loading ...

Due to technical reasons, we have temporarily removed commenting from our articles. We hope to have this fixed soon. Thank you for your patience. If you are looking to give feedback on our new site, please send it along to feedback@globeandmail.com. If you want to write a letter to the editor, please forward to letters@globeandmail.com.
Cannabis pro newsletter