How these 80-somethings are stitching together work, savings, and Social Security to get through the month

• Some older Americans are working past 80 to supplement Social Security and cover their expenses.
• Rising inflation and health issues are driving some older workers to seek part-time jobs.
• The number of workers 80 and older increased by 25% since 2022, per Gusto, sometimes in risky jobs.

Jim Uhrinyak, 82, doesn't know if he'll ever have enough money to retire.

Uhrinyak is gearing up to work part time as a driver inspector at the traffic control company his son manages. He could have to work in areas where the traffic poses safety hazards. The Navy veteran said the extra money he makes will help him afford groceries, medications, and the bills he shares with his son, with whom he lives.

"I never saved for retirement," said Uhrinyak, who lives in Arizona. "It is miserable at an older age not to have funds to enjoy the last years of your life."

Uhrinyak is one of dozens of Americans in their 80s who spoke to Business Insider about needing to work well past retirement age. Many said they need income to supplement their Social Security checks, while others said a health scare, job loss, or rising inflation have eaten into the savings they hoped would carry them through retirement. This story is part of an ongoing series on older workers.

An analysis by Gusto, a small-business payment and HR platform, found that since 2022, the number of workers 80 and older has increased by about 25%, compared to 4% growth in the overall workforce. To be sure, that number represents a fraction of the workforce — about one in 1,000 US workers. The analysis was based on payroll records from over 400,000 small business customers.

"The economy and current prices are in a place where they're really forcing folks to reconsider or even rejoin the labor force," Nich Tremper, a senior economist at Gusto, said. "These are folks who are just likely looking to earn a little bit extra to have their money last as long as the month does."

Navigating work amid health challenges

Some workers in their 80s and older, including Uhrinyak, said they've taken on new jobs amid health issues, as they had few other options to stay afloat financially.

In February, Uhrinyak resigned from his role as a construction coordinator because of side effects he experienced from taking Ozempic. He said working with his son will make his transition back to the workforce easier.

Uhrinyak said the $800 a week he'll earn from the driver inspector job will supplement his $2,800 a month Social Security payment. He spends roughly $350 a month on medications — including $120 for a blood thinner — which, along with various medical expenses, has hurt his financial planning.

"The worry of having funds just to survive is sometimes overwhelming," Uhrinyak said. He has about $6,000 in total savings, he said.

Some older Americans have told BI that the only jobs they could find have put them at potential risk of injury, including jobs where they have to stand for hours at a time or lift heavy items. Some said their jobs have taken a toll on their bodies or mental health.

Monique Morrissey, a senior economist at the Economic Policy Institute who researches Social Security, found that older workers' jobs fall into, on average, 2.6 of six dangerous work categories, including physical demands and high pressure. She told BI that many older workers approaching or past retirement age have had to take blue-collar jobs that are lower-paying and riskier.

"You have slightly less dangerous jobs for older workers than for prime-age workers, but the dangers that they face are much worse," Morrissey said.

Diane Knaus, 82, broke her ankle in September, and she temporarily stopped working as a freelance writer to focus on her recovery. After a couple of months with limited income, Knaus said she began thinking about how to generate some additional cash. She's about to start a desk job for a trucking company.

"I'm on my Social Security, but that's not much," said Knaus, who lives near Annapolis, Maryland. "I'm just taking life year by year."

A tough job market for older Americans

Dozens of workers in their 60s and older told BI this year that finding a well-paying job feels nearly impossible amid a tight job market and reduced white-collar hiring. It's leading many to seek blue-collar roles and other part-time positions that pay a bit more than minimum wage.

Pamela Levier, 81, recently resigned from her full-time service department job at the car dealership where she'd worked since 2013. While she has four pensions tied to her and her late husband, she said they're "not large amounts" and that she's not in a position to retire.

The dealership was sold, and the new owner was expected to make changes that Levier felt would negatively affect her work experience and could put her job at risk. She said she's been looking for positions at other car dealerships but hasn't had much luck. She's hoping to find a job to supplement her $2,100 monthly Social Security check.

"I live paycheck to paycheck," said Levier, who lives in the Tampa area. "No savings, no stocks, or bonds."

While she's in need of additional income, Levier said working would also help her stay busy.

"I don't want to be sitting around just not doing anything," she said. "I enjoy being out and about and learning things. It helps me stay young."

Working partly for the fun of it

To be sure, some older Americans who need work to supplement Social Security said financial stability and fulfillment are their main motivators.

Lawrence Dugan, 80, said he isn't desperate for the wages he earns and could live minimally on his savings and retirement income. While he and his wife value working, Dugan said they have some concerns, including knowing they could be "screwed" if an economic disaster comes.

"Working is probably 30% to 35% financial to get extras in life," said Dugan, who lives in Grand Rapids, Michigan.

Dugan said he works as a psychology consultant and earns roughly $3,000 monthly. He also sells paintings for extra income. Meanwhile, his wife works 15 to 20 hours a week as a home-care agency nurse. Dugan receives about $2,800 monthly in Social Security, while his wife gets about $2,100. Their combined net worth is less than $250,000.

"I knew when I was 25 I wouldn't retire and would die with my boots on," Dugan said. But he values work because it keeps him feeling younger. "Unless you keep using your brain, you use it or lose it."