Ernest Rashkoven, 82, has no plans to retire any time soon Photos: Ellen Green
Ellen Green
April, 2009
Although many older adults consider
retirement on some level as
the years unfold, today’s seniors are
not necessarily of the same mindset
as their predecessors. Regardless of
the current economic crisis, older
Canadians are choosing to stay at
work for reasons that are as individual
as they are.
In the early 20th century, the age of
eligibility for a government pension
was 70, but the average life expectancy
was about 60. Now the
population is aging rapidly, life expectancy
has risen, and Canadians
can receive government pensions at
age 65. This translates to more demands
placed on public pensions
than ever before. As well, the ratio of
workers to retirees in Canada is expected
to fall to two-to-one in 2031,
from five to one in the 1980s. So our
population is aging and the work
force is shrinking. As a result, companies
– and individual workers – are
reconsidering outdated policies regarding
retirement.
For many older Canadians still blessed
with good health, whether or not to
leave their jobs at “retirement age” has
become a choice, and they find they are
still enjoying their work and continuing
to achieve a sense of purpose.
Ernest Rashkoven received his law
degree from McGill in 1953 and decided
to pursue his interest in becoming
a notary.
“I liked the idea of helping people
and providing non-contentious services
for clients. I felt I was well suited
for the path I chose,” explains
Rashkoven, 82. “Now it’s 56 years
later and I still feel the same way.”
Rashkoven maintains the same
schedule he established years earlier
– he is at his office before 8 am and
until 6 pm five days a week. He and
wife Freda Gans have three children
and nine grandchildren, and both
volunteer in the community.
“We are lucky enough to have our
health and we travel a great deal,” he
says. “I have no plans to retire right
now, but should I decide to one day,
I would most probably just get more
involved in volunteer work and community
affairs.”
Rashkoven concedes that the recent
downturn in the economy may eventually
affect his line of work. “For instance,
if there are fewer real estate
transactions, there is less need for that
aspect of notarial services,” he says.
For now, Rashkoven has no plans
for any changes in his routine, or his
life. “I am fortunate to be in good
health and to have chosen a career
that I have really enjoyed over the
years,” he says. “I know where I am
going in the morning.”
* * *
Lynn Abelson, 66, received a secretarial
degree from what was then Sir
George William business school and
worked in an office until she had her
first child 43 years ago. “I first went
back to work when the kids were in
their teens, but I’ve been with the
Alzheimer Group Incorporated (AGI)
for the past 10 years,” she says. “I really
love what I do and this organization
has become like a large family to
me. We’re all dedicated to the clients
who are part of our extended family.”
Lynn Abelson feels lucky to be working
Abelson’s responsibilities include office
duties, registration, looking after
donation cards, organizing the program book,
setting up gala invitations
and organizing and collecting funding
information for conferences and
membership drives. “Above all, my
most important role is to greet people
who call and come in,” she says.
“Often the people who call us are very
nervous. We try to put them at ease
and let them know that they and their
loved ones are welcome here.”
This mother of two considers herself
lucky to still be in the work force,
particularly in this age of electronic
communication. “I feel fortunate
enough to have developed the skills
needed to use a computer. Without
this job I probably never would have
developed these skills,” she explains.
“Working here keeps me more aware
of what’s going on in the world.”
Abelson is not AGI’s only senior employee.
She says that older employees
can and do fill a niche in the working
community. “Quite simply, we don’t
often have the same responsibilities
that a younger person has with a young
family. From what I’ve seen, seniors
tend to be reliable, punctual and organized,
and usually have excellent
attendance records, ”she says. “Most of
us have an old-school work ethic.”
As well, AGI has given her more to
consider regarding the benefits of
work. “Studies indicate that being
mentally active can actually help
ward off diseases like Alzheimer’s,”
she says. “And staying active mentally
also keeps you from thinking about
sickness. A job for an older worker is
so much more than just a place to
hang your hat.”
Abelson keeps up her health with
daily jaunts on the treadmill, has recently
learned to play the game of
mahjong with a few friends, and still
finds the time to babysit, with husband
Leonard, their two grandchildren.“
We encounter all sorts of people
from all different backgrounds and
sometimes there’s a lot of sadness,”
she says. “Yet it’s such a sense of accomplishment
when you know you
helped improve the life of an
Alzheimer patient or caregiver.
“Every day I realize again that these
are people who can still contribute
and give of themselves,” she adds.
“They don’t look at what they lost,
they look at what they still are.”
Abelson says she feels grateful to
have found this position at this time
of her life. “I’m actually really proud
of myself and that I’m part of what
we accomplish here,” she says. “As
long as I can do it, I plan to.”
* * *
Cecil Leonard, 57, has been a financial
planner since 1974. His insurance
and investment business is
based in Kingston, Ont., although he
also has several clients in Montreal as
well as in Toronto. Many of his
clients are seniors, and although
some are retired, he says they all have
one thing in common. “You meet
people from different ethnic and religious
backgrounds and at different
stages of their lives but one basic
need is the same,” he says, “Each person’s
goal is to be financially secure
and independent.”
Leonard’s sensitivity toward each
client’s individual need is evident in
his approach. “The basis of what I do
is about developing personal relationships,”
he says. “Each person
must be treated as unique and with
respect, regardless of financial success
or lifestyle.”
Cecil Leonard has no plans to slow down
Leonard has also used his investment
knowledge and personal experiences
to help benefit the community.
“When I met my wife, she already
had a child who had been
handicapped due to a case of meningitis
as a baby. As well, my own father
had polio in 1952 and I never knew a
time when he wasn’t in a wheelchair.
As a result, I was aware of the weaknesses
in government programs regarding
trust planning,” he says. “So
in 2001, I helped create the Tree of
Life program through the Miriam
Home. How it works is contributors take out life
insurance policies through the program for which
they receive tax receipts for the premium and the
home collects the benefit upon death.”
This father of two and husband to Martha, a child
welfare lawyer, cautions people to filter through the
media information on the economy. “The reality is
that seniors shouldn’t be 100-per-cent invested in
the markets and the older you get the less you
should be investing,” he says. “A guideline is that a
70-year-old should be invested in the market no
more than 30 per cent; for a 60-year-old, it should
be no more than 40 per cent, and so on.”
Leonard suggests individuals meet with their advisors
in order to continue to plan their personal financial
path.
Besides waterskiing, downhill skiing and reading,
Leonard travels often with his wife. Although he is
considered a “young” senior by today’s standards,
Cecil Leonard has no plans to slow down. “I do retirement
planning for others, but not for me,” he
admits. “What I hope to do is continue with my
work and lifestyle as long as my health permits.”
* * *
When Louis Beurak, 70, left his home in Barbados
to study commerce at Sir George University, he
couldn’t have imagined that Montreal would become
his new home. But working opportunities
presented themselves 53 years ago and Beurak found
his niche in the needle trade. “I sell textiles to manufacturers,
mostly knitted goods imported from
China. I have always enjoyed this type of sales,meeting
people and interacting with them. That’s why
I’m still here doing what I do after all these years.”
An avid surfer, Beurak still travels to Barbados
twice a year. “I love swimming and surfing. While
growing up I played on my school’s water polo
team,” he says. “My life is here in Montreal, but I
always can’t wait to get back to the ocean and to
Barbados. To be honest, I don’t feel my age. When
I get on a surfboard I still feel like I’m 16.”
Beurak’s ability to adapt and thrive on foreign
soil came from his parents. In 1938, his newly
married parents took the last ship out of Poland
and found themselves in Barbados. “Everyone
questioned my parents on their decision to leave
but they were adamant they needed to get out,” he
says. “They left with only what they were wearing,
a small briefcase, which I still have, and a small
band of gold.”
Beurak’s father built up his peddling business
over the years, Eventually the family owned four
dry goods stores. It was this sense of enterprise
and strong work ethic that Beurak took with him
on his own adventures in Canada.
“I’m at the office before 8 am and until 5-5:30
pm five days a week, ”he says. “I don’t even want to
think of retiring. If I were to stay home I would
age too fast.”
Besides traveling with wife Delle, this father of
three and grandfather of 10 walks and swims to
stay physically active all year. “I still love all kinds
of sports,” he says.
Although his industry has been affected by the
current economic situation, he has seen a lot of
ups and downs throughout his many years of experience,
and says there is still a great deal to be
positive about. “The companies that survive in
times like these will prosper even more later on,”
he says.
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