Mid-life MOT: take control of your future

We all need to take stock at key points in our life, and the decisions you make now about money, work and health can help you get the retirement you want.

Many of us are living longer, and if we want to enjoy later life, staying healthy and planning to have enough money to live on really matters.

Getting older is an opportunity to focus on what’s important to you, and a mid-life MOT is a good place to start.

Perhaps you’ve been meaning to get to grips with your pension plans, explore working differently or make sure you’re looking after your health?

The mid-life MOT is a package of support that gives you access to free, professional and independent guidance to help you with pension planning, working options and staying healthy.

Use the links below to check where you are now with your money, work and health and see if your results fit in with what you want in the future.

Your money

Your job

Your health and wellbeing

Your money

Will the retirement you get be the retirement you want? Are your plans on track?

Check your State Pension online to find out how much you might get and when you can claim it. The full new State Pension is around £8,750 a year, but yours may be more or less, as it’s based on your National Insurance record.

The Pensions Advisory Service gives advice on workplace and personal pensions. And, if you’re self-employed, you can get a free one-to-one mid-life MOT to support your retirement planning.

The Money Advice Service provides free advice on all money issues, including a pensions calculator, where you can work out how much you need for retirement and plan how you get there.

If you’re aged 50 or over, and have a personal or workplace pension, Pension Wise can help you make sense of your options. Book online or call 0800 138 3944 to arrange your free, impartial appointment.

Your job

Will your current job be suitable for you as you get older?

You might want to slow down or change roles, or you might have caring responsibilities. Find out how working differently can be a good bridge into retirement.

If you want to change your working pattern or reduce your hours, you have the right to ask your employer for flexible working arrangements. Talk to your employer about how they may be able to help.

The National Careers Service can help you to plan ahead, whether you want to stay in your current job or look for something completely different. Support is also available for those in Scotland through the Scottish Government and My World of Work, and for those in Wales through Careers Wales.

Your health and wellbeing

Could your health or caring for others stop you from doing your job as you get older?

You can get great tips and support on how to stay healthy by visiting the One You website. Support is also available for those in Scotland, Wales and Northern Ireland.

Carers UK offers expert, tailored information and advice if you are caring for someone and are unsure how to balance your responsibilities with work. They can offer help online and over the phone.

Volunteering can offer the chance to give something back to the community or provide the opportunity to develop new skills. Discover more about volunteering with The National Council for Voluntary Organisations. Support is also available for those in Scotland through SCVO and Volunteer Scotland, for those in Wales through WCVA, and for those in Northern Ireland through NICVA.

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