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There are three factors that need to be considered when talking about retirement and each of these factors represents a stage in the retirement process that requires adjustment. The first factor is the retirement "event" - that point in time when a person leaves his workplace forever. The second factor is referred to as the "process" of retirement which simply means the process of adjustment to the retirement state. Finally, the "period" of retirement refers to that phase in a life career after the person, or the head of a spouse's household permanently ceases full-time work".
Speech given to the Australian Council of Professions, Adelaide, 1st October 1986 by Adam Graycar, Commissioner for the Ageing. This speech is made available under the CC-BY-NC-ND 4.0 license: http://creativecommons.org/licenses/by-nc-nd/4.0/