“…For example, studies suggest that individual's own health, spouse's health, and overall financial situation play a significant role in determining individuals' timing of retirement (Shultz & Wang, 2007). Other studies suggest that, above and beyond these individual-level factors, a variety of job and organizational factors such as job satisfaction (Wang, Zhan, Liu, & Shultz, 2008), job challenge (Bamberger & Bacharach, 2014), perceived organizational support (Armstrong-Stassen & Ursel, 2009), and employment benefits such as health insurance (Purcell, 2009) also play a significant role in shaping retirement decisions. Such findings are important as they provide the basis upon which employers and policy makers may develop and support employment practices and policies that could more effectively motivate the retention of those eligible and able to retire (i.e., qualify for a pension payment, draw social security, or can start to withdraw from retirement savings).…”