Retiring Unprepared in Abu Dhabi? Predicting Emirati Employees' Retirement Age and Self-Activation

The topic of retirement is rarely explored in the context of the Middle Eastern and Gulf Cooperation Council (GCC) countries. This study drew on data from a large-scale survey of retirees in the Emirate of Abu Dhabi, the United Arab Emirates (UAE), a universal welfare state characterized by the persistence of the traditional male-breadwinner model and gender roles, to analyze the determinants of retirement timing and post-retirement work. Multi-level regressions were performed to explore the effects of individual, family, institutional, and social-economic factors. The study revealed that Emirati females tended to retire earlier than men to fulfill their domestic duties and informal caregiving roles, rather than to retire together with their spouse. Additionally, early retirement incentives offered by Abu Dhabi pension systems appeared to attract employees into early retirement. On the other hand, securing more financial resources and reduced sense of belonging in society were among the most significant predictors of post-retirement job searching motivations among Emirati retirees.