OTSurveyAutism : the international journal of research and practice2026

'A New Pace of Life': A Mixed-Methods Exploration of Retirement Plans, Preparations and Experiences in Middle-Aged and Older Autistic and Non-Autistic Adults.

Zuzanna Kowalczyk, Ahna Huwaida Ahmad Fadzil, Isabel Ward and 2 others

PMID 41906351

WHAT IT FOUND

Autistic adults retired at similar ages to non-autistic adults but arrived there differently: fewer had made any retirement plans, fewer had full state or workplace pensions, and more had been unemployed or unable to work.

They worried most about money, losing routine and loneliness.

Key findings

01Actual and planned retirement ages did not differ significantly between the autistic and non-autistic groups. The difference was in preparation: fewer autistic participants had very detailed plans (21.7% vs 41.8%) and far more had made no plans at all (41.1% vs 12.3%).

02Autistic participants reported lower rates of full-time employment (73.9% vs 82.4%) and higher rates of being unemployed or unable to work (11.4% vs 2.5%) than non-autistic participants.

03Among participants who had not yet retired, the autistic group reported significantly lower annual income than the non-autistic group and was less likely to share living expenses with someone else.

STILL TO COME

How it was doneWhat they foundWhat it means for OTs

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What it does not show

Everyone took part online, so people without internet access, and people with intellectual disabilities or higher support needs, were excluded. The sample was predominantly White, well-educated and diagnosed or self-identified as autistic later in life, so it does not represent autistic adults broadly. Participants had to live in the UK, so the pension, income and retirement-age findings are tied to the UK system and do not transfer elsewhere. It is a single snapshot: younger participants were looking ahead to retirement while older ones were recalling plans made years earlier, so memories of past planning may be inaccurate. Both groups were more likely than the national average to qualify for a full state pension, which suggests people already engaged with retirement planning were the ones who took part. As a survey, it could not follow up answers to ask how events such as ill health or bereavement connected to someone's employment and pension history. The authors did not examine differences between men and women, to keep the number of analyses manageable. An estimated 90% of autistic adults over 40 are undiagnosed, so people without a diagnosis, who may have the least access to support, are likely under-represented.

Declared interests

Funded by a British Academy Postdoctoral Research Fellowship held by one author, with another author part-funded by the National Institute for Health and Care Research Maudsley Biomedical Research Centre and King's College London. The authors state the funders had no role in data collection, analysis, interpretation or any other aspect of the study, that they were not paid to write the article, and that they declared no conflicts of interest. No company selling a product or treatment was involved.

The easy way to misread this

Do not read these group differences as proof that autism itself makes retirement harder. The autistic and non-autistic groups also differed in education, ethnicity, marital status and housing, and the sample was a mostly White, well-educated group recruited through autism research networks who were more engaged with retirement planning than average. The authors also note that undiagnosed autistic adults, who may have least access to support, are likely missing from the sample.

Summarised by AI from the full paper, without a clinician reviewing it. Check it against the source before it changes what you do. Read it on PubMed →