POST-RETIREMENT ISSUES AND THE CHALLENGE OF LONGEVITY AMONG NIGERIAN PUBLIC SECTOR EMPLOYEES: THE DILEMMA OF AN AGEING WORKFORCE

Abstract

The problem of inadequate retirement income, unaffordable healthcare and declining social support has continued to undermine the well-being of Nigerian public-sector retirees, raising concerns about their ability to sustain healthy and financially secure lives in old age. This study, therefore, examined the effect of post-retirement issues on the challenge of longevity among Nigerian public-sector employees, with particular reference to the implications for an ageing workforce. Specifically, it examined the effect of healthcare affordability on age-related healthcare burden, determined the relationship between financial security and the sustainability of retirement income, and assessed the influence of social support on economic vulnerability in old age. The study adopted a descriptive survey research design and drew on primary and secondary sources of data. Its theoretical foundation was Structural Functionalist Theory, as developed by Talcott Parsons, which emphasises the interdependence of social institutions in maintaining societal well-being. The study identified delayed payment of retirement benefits, inadequate financial resources, limited access to affordable healthcare and insufficient social welfare support as major challenges confronting retirees. These challenges were associated with difficulties in meeting essential living expenses, managing age-related health needs and maintaining 

economic security throughout retirement. The study concluded that improving longevity among Nigerian public-sector retirees required more than extending life expectancy; it also required ensuring that older persons could live with dignity, adequate healthcare and sustainable financial support. It recommended affordable healthcare services, prompt and regular payment of retirement benefits, transparent pension fund management and stronger family, community and institutional support systems. The study highlighted the importance of integrating pension administration, healthcare provision and social protection into policies addressing the welfare of retirees and the sustainability of an ageing public-sector workforce.