Post Retirement Problems and Counselling Needs of Retirees in Osun State

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Title page                                                                                                                    i           

Certification                                                                                                               ii

Dedication                                                                                                                  iii

Acknowledgement                                                                                                      iv

Table of Contents                                                                                                       vi

List of Tables                                                                                                              x

Abstract                                                                                                                      xii


Background to the Study                                                                                            1           

Statement of the Problem                                                                                           8

Research Questions                                                                                                    11

Research Hypotheses                                                                                                  12

Purpose of the Study                                                                                                  13           

Significance of the Study                                                                                           13           

Operational Definitions of Terms                                                                              14

Scope of the Study                                                                                                      15           


Preamble                                                                                                                   16

Concept of Retirement                                                                             16

Types of Retirement                                                                                19

Post-Retirement Problems of Retirees                                                       23

Retirement Counselling                                                                           33

Counselling Needs of Post Retirement of Retirees                                      36

Empirical Studies on Retirement Problems and Counselling Needs              42

Summary of Review of Related Literature                                                           48


Preamble                                                                                                                     50           

Research Design                                                                                                         50

Population, Sample and Sampling Techniques                                                          51

Instrumentation                                                                                                          52           

Psychometric Properties of the Instrument                                                                53

Procedure for Administration and Collection of Data                                               54

Procedure for Scoring                                                                                                55

Method of Data Analysis                                                                                           55


Preamble                                                                                                                     57

Demographic Data                                                                                                      57

Hypothesis Testing                                                                                                     62

Summary of the Findings                                                                                           67           



Preamble                                                                                                                     70

Discussion                                                                                                                  70

Conclusion                                                                                                                  74

Implications for Counselling                                                                                      75           

Recommendations                                                                                                      76           

Suggestions for Further Studies                                                                                 77           

REFERENCES                                                                                                           77

APPENDIX                                                                                                                 86



At retirement, major changes occur in these aspects of individual daily lives. Retirement has been associated with obvious changes in lifestyles, daily routine, income, social status, age, strength, environment and most times, health. This study investigated post retirement problems and counselling needs of retirees in Osun state.

The study was a survey research. The population of this study comprised all retirees in Osun State while 210 respondents were used as sample size in the study.  A questionnaire titled “Post-Retirement Problems and Counselling Needs Questionnaire (PPCNQ)”was used as an instrument to collect data needed for the study. The variables taken into consideration were gender, age and highest educational attainment. Mean and rank order analysis were used to answer the main research questions while the null hypotheses formulated were tested using t-test and ANOVA statistical techniques at 0.05 level of significant.    

The findings of the study revealed that post retirement problems includes delay of pension payment; lack of access to regular income; and inadequate monthly allowance.  The findings also revealed that counselling needs of retirees are taking right nutrient; enlightenment on how to deal with loneliness; and problem of how to start private business.  It was also found that there no significant difference existed in the post retirement problems associated with retirees in Osun state based on gender, age and highest educational attainment. Also, there was no significant difference was found in the counselling needs of retirees in Osun state based on gender, age and highest educational attainment.

Based on the findings of this study, it is recommended that government and other employers of labours should make regular payment of pension priority in order to avoid delay in payment. Counsellors should encourage the workers to plan adequately for life after paid employment. Counsellors should also orientate the retirees on the strategies and coping mechanisms which can be used to address retirement challenges they are bound to face after paid employment.


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Frontiers, E. & Odette, A (2021). Post Retirement Problems and Counselling Needs of Retirees in Osun State. Afribary. Retrieved from

MLA 8th

Frontiers, Edu, and AKANNI Odette "Post Retirement Problems and Counselling Needs of Retirees in Osun State" Afribary. Afribary, 24 Dec. 2021, Accessed 04 Jul. 2022.


Frontiers, Edu, and AKANNI Odette . "Post Retirement Problems and Counselling Needs of Retirees in Osun State". Afribary, Afribary, 24 Dec. 2021. Web. 04 Jul. 2022. < >.


Frontiers, Edu and Odette, AKANNI . "Post Retirement Problems and Counselling Needs of Retirees in Osun State" Afribary (2021). Accessed July 04, 2022.