Back Pain And Retirement

Back Pain And Retirement - Back Pain could lead to early retirement, find out here what to do to protect your future.

Back Pain And Retirement

Robert Feddes

Correcting Your Back Troubles Could Be The Wisest Thing To Do For Retirement.

Back Pain and Retirement – Research shows your long term financial health might be at stake if you do not correct your back troubles.

The January issue of the PAIN magazine featured research by Australian researchers, showing that people with back problems are often forced to retire early from the workforce.

Statistics seem to confirm that back problems are the biggest cause for early retirement because of health problems, much more so than any other health condition. In fact, more than twice as many people retire early, due to back problems than other health problems. Many of those are estimated to not have enough savings by the time they reach age 65, the traditional retirement age.

Professor Deborah Schofield, PhD, Chair of Economic Health at the NHMRC Clinical Trials Centre and Sydney School of Public Health, University of Sydney, Australia was the lead researcher of the study. The study was based on a microsimulation model called ‘Health & Wealth’. The model was especially designed to measure the economic impact of ill health on Australian workers in the age brackets 45 -64.

The model used data from the nationally representative 2003 Survey of Disability, Ageing and Careers (SDAC 2003). Retirement weatlh was estimated as the total sum of private retirements accounts, cash, shares and investment properties all together turned into cash that was then turned into an annuity. This annuity was the basis for comparing different living standards in retirement.
Back Pain Induced Early Retirement Is Very Costly!

Below you see the financial effects of early retirement due to back problems on accumulated wealth at age 65. The study was based on data from 147 individuals between 45-64 years who retired early due to back troubles, 168 part time employed with back problems and 365 who were employed full time with back troubles.

 % with accumulated
wealth at age 65
median wealth
at age 65
annuity
aus$ 2009
males full time
no back troubles
99%$339,121.00$19,592.00
females full time
no back troubles
99%$237,496.00$12,014.00
    
males retired at age
45 – 54 back trouble
75-85%$5,038.00$291.00
females retired at age
45-54 back trouble
75-85%$20,064.00$1,015.00


If you have to retire early because of back problems, your ability to save for retirement is seriously hampered.

Professor Deborah Schofield, PhD, Chair of Health Economics at the NHMRC Clinical Trials Centre and Sydney School of Public Health, University of Sydney, Australia said: “Adopting cost-effective approaches to prevention and treatment of back problems may contribute to extending the labor force participation of individuals and help prevent the costs of lower wealth assets associated with early retirement due to back problems.

And here at BeatingBackPain.com we say AMEN to that, and we believe that our Back Pain GoodBYE! program does just that; it allows ordinary folks to learn more about their backs than the average health profeesional ever told them. And we blieve in actionable knowledge, so you can take up responsibility for your back health.

Back Pain and Retirement? How about you get rid of all of your back troubles so you are free to do what you are good at and can accumulate some more wealth for your retirement. Because if you suffer from back pain, the table tells you that if you are not careful, you might suffer more than the effects of pain, but also the financial effects further down the road, in your retirement.

Let me finish with wishing everyone speedy progress and a back pain free life! If you are looking for a cost effective way to correct your won back troubles with a proven program, feel free to give the Back Pain GOODBYE! program a try.

Source of this article: http://www.medicalnewstoday.com/releases/241026.php Elsevier Health Sciences. “Long-Term Financial Disadvantage Faced By Those Who Retire Early Due To Back Problems.” Medical News Today. MediLexicon, Intl., 2 Feb. 2012. Web.

Former Back Pain Sufferer Robert Feddes developed the BackPainGoodBye Program to help others rid themselves of back pain, sciatica and find natural healing of bulging discs.

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