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                    <text>Pensions are Not Enough: The Individual Company and Its Older Workers
Author(s): Edwin Shields Hewitt
Source: The Journal of Business of the University of Chicago, Vol. 24, No. 2 (Apr., 1951), pp.
127-140
Published by: University of Chicago Press
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�PENSIONS ARE NOT ENOUGH: THE INDIVIDUAL
COMPANY AND ITS OLDER WORKERS
EDWIN SHIELDS HEWITT AND ASSOCIATES"

SOME employers have provided of society of a policy of retirementat age
who
a pension plan for their employees
consider that they have met the
problemof their older workers.Actually,
in the light of present knowledge of the
individual needs of older workersand of
the implications of an aging population
fromthe viewpointof both the individual
company and the economy as a whole,
private pension systems should be considered as merely one approach to the
problemof older workersin industry.
CHANGING POLICIES ABOUT RETIREMENT
I930-50

Ourthinkingabout the problemof the
aged has undergoneconsiderablechange
within the last two decades. Because of
the changing age distribution of the
population and the growing percentage
of the population over sixty-five, considerable thought has been directed to
the problem of the older worker.During
the decade of the thirties wide-scaleunemploymentled to agitation for compulsory retirement of workersat age sixtyfive as a device for making room for
younger workers. The enactment of a
national system of compulsory old age
insurance and a supplementaryfederalstate program of old age assistance for
the needy aged gave promiseof a partial
solution of the problem of financial insecurity for those over sixty-five.
The desirability from the viewpoint

sixty-five or even earlierand the advantages to the individual worker of a
period of well-earned rest and leisure
were generallyaccepted. It was assumed
that the availability of old age benefits
would give each worker an opportunity
to choose between continuingto work or
retiring from the labor force. It was expected that, given such a choice, most
workerswould prefer to retire.2Such an
expectation was, of course, based upon
the assumption that old age benefits
would be sufficient for the support of
aged workers.
The war years, with changedeconomic
conditions, brought modificationsin attitudes and practiceswith respect to the
employment of older workers and the
policy of compulsory retirement. Manpowershortagesopenedthe door to older
workers. Industry, which had for some
time discriminated
against olderworkers,
now hired older persons and urged retired workersto return to the job. Many
older persons who had stopped work
gladly applied for new jobs or returned
to their old jobs.
During the war years, because of the
restrictionson wage increases,becauseof
tax incentives, and because profitable

business made it easier for those selling
pension plans to convince employers of
their desirability, many employers established pension plans.
In the postwar period many of the
by
This reportwas prepared the staff of Edwin
older persons who were employed were
Shields Hewitt and Associates of Chicago, indeI

2 William H. Stead, "Trendsof Employment
pendentanalystsand actuaries,underthe direction
in
recently Relation to the Problemsof the Aging," Journal
of Sydney B. Scoville, directorof research,
Universityof Chicago.
assistantprofessor,
of Gerontology,IV (October, I949), 294.
I27

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�I28

THE JOURNAL OF BUSINESS

reluctant to retire, and the high level of
economic activity made it possible for
many of them to remain productively
active. Even with an economy operating
at peak levels, however, many older
workers
wereunableto find employment.
This situation, along with the rise in
prices and the consequent minimization
of the real benefits provided by the old
age insuranceprogram,led to increased
pressurefor enacting amendmentswhich
would provide more substantial old age
insurancebenefits and, in the absence of
such amendments,to increasedpressure
for private pension plans to supplement
social insurance. The acceptance by
certajn strong labor unions of pension
benefitsas a presumablynoninflationary
economic gain and the decision of the
National Labor Relations Board requiring employers to bargain collectively on
pensions and benefit plans accelerated
the trend toward the establishment of
retirementplans.
In the meantime the medical profession had turnedits attention to the growing problem of chronicillness and physical and mental impairment among the
aged. Psychiatrists, interested in the
mental health of the aged, saw clearly
the severe emotional stress induced by
premature retirement and the possible
disastrouseffects upon the individual of
compulsoryretirement. Social workers,
in daily contact- with aged persons in
financial need or with emotional difficulties, were concerned about the need
for individualizedtreatment of the aged.
Psychologistsstressed the need for using
the conceptsof physiologicaland psychologicalage ratherthan chronological
age,
as a basis for hiring, retaining, and
retiringworkers.
Threemajorquestionswere repeatedly
raised: (i) the effects of compulsoryretirement upon aged persons who were

psychologically unprepared for retirement; (2) the growing economic burden
of the support of the aged whether
throughsocial insurance,private pension
plans, or other means; (3) the effect upon
society and the economy of the lost productivity of many workers forced or
encouraged to retire at sixty-five or
before.
A growing body of knowledge based
upon medical research concerning the
physicaland mental problemsof the aged
has changed long-standing concepts
about the desirability of retirement for
all those who reach a designatedchronological age. Growing concern about the
economic as well as the personal effects
of compulsoryretirementhas led to considerableexaminationof the problemand
to attempts to enact legislation to prevent discriminationagainst the aged in
employment.
One of the most active groups interested in the problem, the New York
State Joint Legislative Committee on
Problemsof the Aging, in its I949 report
noted five basic shortcomingsin current
employment practices concerning the
aged:3
Wide-scale
prejudice
againsthiring workers
overforty-five
of
2. Compulsory
retirement workersat sixtyfive withoutregardto their ability to work,
need to work,or desireto work
facilities in govern3. Lack of job-counseling
mentorindustry
4. Inadequacyof existing industrialpension
plans which sometimesthwart the employmentof the elderly,fail to providesufficient
sumsto coverthe cost of living, and provide
little protection the oldperson
for
whowishes
to changeemployment
beforeretirement
age
workin
5. Lackof job analysisor classification
into
industryto fit elderlyworkers jobs they
can do profitably
i.

3New York State Joint Legislative Committee
on Problemsof the Aging, NeverToo Old (Legislative Doc. No. 32 [I949]), p. I3.

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�PENSIONS ARE NOT ENOUGH

Some of the reasons given by employers for their failure to hire older
workersdo not stand up under examination, as they have no basis in fact or are
basedupon exaggeratedor unusualsituations. Some of the reasons for failure to
hire older workersfollow.
ratesgo up
i. Workmen's
compensation
are
whenelderlyworkers employed.-This
belief has no basis in fact, since age does
not enter into the determination of
workmen's compensation rates. In the
main, rates are determined by the relative hazardsof the industry and the accident experience of the individual company. The formula for determining the
premiumrate does not considerthe type
of personnelinvolved, nor does the insurance contract say anything about the
age of the workersemployed.
2. Older workersare subject to higher
otherworkers.
accidentratesand endanger
-As a matter of fact, accidentfrequency
rates tend to declinewith advancingage.
Although older workers are involved in
fewer accidents, the duration of the period of disability tends to increase with
age. Thus the accidents sufferedby older
workers,while less frequent,are likely to
be more severe, and the healing process
is slower. According to Dr. Nathan W.
Shock: "The diminished accident rate
for older workersmore than counterbalances this longer healing period so that,
in general, it may be concluded that
older men have proved less expensive
from the standpointof accidentcost than
younger men."4One survey in this area,
made by the U.S. Bureau of Labor Statistics during the war, showed that disabling injuries (those involving a permanent impairment or disability for work
for at least one -full shift) occurred
4 Nathan W. Shock, "Older People and Their
Potentialities for Gainful Employment," Journal
II
of Gerontology, (April, I947), 99-IOO.

I29

slightly less frequently among workers
over fifty than among those under fifty,
while handicappinginjuries (those which
usually requireonly first aid) were much
less common at age fifty and over than
in the younger age groups. Once injured,
however, older workers generally took
longer to heal.5
3. Elderly workers cannot produce so
much as younger workers and are not so

profitable.-Nathan W. Shock, in discussing the alleged reducedproductivity of
older workers,states:
Since there are few occupations in which a
substantial number of workers are employed on
work of equal difficulty, the speed of which is
governed by the worker himself and for which
individual production records are available, it is
almost impossible to determine the role of age in
industrial output. However, on the basis of our
physiologic knowledge, it seems probable that
work output may diminish in older workers.
Hence it is important than an educational program be instituted which will make it possible
to place the older worker in positions where
speed is of lesser importance.6

Ewan Clague, the United States commissioner of labor statistics, lists reducedmuscularstrength, slowerreflexes,
decreasedkeenness of sight and hearing,
and various chronic disabilities as the
most obvioussourceof difficultyfaced by
older workers because of physiological
aging. He adds, however, that the extent of physical impairmentis exaggerated in popular thinking:
Many of the physical changes associated with
age not only tend to occur more slowly than
we once supposed, but also interfere less than
5 Max D. Kossoris, "Absenteeism and Injury
Experience of Older Workers," Monthly Labor Review, LXVII (July, 1948), I7-I8; gee also Ewan
Clague, "Some Industrial Aspects of Aging"
(address before the tenth annual Congress on Industrial Health, sponsored by the Council on Industrial Health of the American Medical Association,
New York, February 2I, I950), p. 8.
6

Shock, op. cit., pp. 99-I00.

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�I30

THE JOURNAL OF BUSINESS

we would expect with performance on the job.
There is evidence, for example, that experience
on a given job often tends to maintain the particular kind of vision that the job demands
after other visual functions become impaired.
Moreover, . . . many an oldster has keener
hearing and better vision than an average man
twenty or more years his junior.7

Claguebelievesthat the often mentioned
psychologicalaccompanimentsof aging,
such as reduction in learningspeed, lessened adaptability to new ways of doing
things, and the tendency to become unco-operative in ordinary working relationships, are also often overestimated.8
there is a generalfailureto
Furthermore,
that many older workersexunderstand
cel in jobs requiringlong training, experience, knowledge, and skill and have
positive qualities of dependability,judgment, and loyalty. Accordingto Thomas
C. Desmond, the chairman of the New
York committee, the older worker has
four basic advantages over the younger
which
employee.He has moreexperience,
motions; he is less ineliminateswasted
clined toward outside distractions;he is
more conscientious because of his long
service and mature attitudes; he appreciates his workmore and tries harderbecause he has more at stake than the
neweryounger employee.9In many jobs
at the professionaland manageriallevel,
maturity is an asset. This is also true in
many of the skilled crafts and in certain
types of service jobs where reliability is
especially important.'0Thus in factory
production,where speed is often an importantfactor, the older workermay not
be able to hold his own on an assembly
I

Clague, op. cit., p. 7.

8Ibid.

9 Thomas C. Desmond, "Industry Needs the
Older Workers," in New York State Joint Legislative Committee on Problems of the Aging, op. cit.,
p. 96.
IO Clague, op. cit., p. 8.

line. On the other hand, among professional people, the older worker may be
very successfulbecause of his experience
and maturity. Ewan Clague points out
that it is between these two extremes, in
the vast numbers of intermediate situations, that prejudiceand misinformation
appear as serious complications in the
older worker's employment problems."
4. It is unprofitableto invest in the
training of older workersbecauseof the
short work-life-expectancy.With increasing life-expectancy, many persons
over fifty-five or sixty have a considerable number of years ahead of them in
which they will be well able to continue
as productiveworkers.The man of sixtyfive has an expectancy of over a decade
more of life before him.
5. Thereis an increasedlaborturnover
among older workers.-Actually, the reverse of this is true. The increasein stability of older workersis of considerable
importance to industry, since the training of new employees is often very expensive.

6. Thereis increased
absenteeism
among
older workers.-In the population as a
whole, there is more illness among older
persons than among younger. On the
other hand, in a survey made during the
war by the Bureau of Labor Statistics of
absenteeismrates by age groupsin manufacturingindustries,there was very little
variation in the absenteeism rates because of illness. However, older workers
tend to be absent from work for a longer
period of time because of illness than do
younger workers. There is less absenteeism attributable to causes other than
illness among older workers.The survey
showedthat the absenteeismrates for all
reasons (illness and others) were lowest
in the fifty-five to fifty-nine age group
II

Ibid.

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�PENSIONS ARE NOT ENOUGH

and that, while workers over sixty-five
had a slightly higher rate than those of
fifty-fiveto fifty-nine, they lost much less
working time than did workers in their
teens and twenties and somewhat less
than those in their thirties and forties.12
7. The public prefers youngerworkers
in jobs requiringpublic contacts,such as
waitresses, clerks, office workers, salesmen.-This is a commonbelief, but there
is no conclusiveevidence to prove or disprove it.
8. Pension systems make it difficultto
hire older workers.-It is alleged that
undermany of the pension plans paying
flat monthly sums at retirement, employers who hire older workers face a
heavier future pension liability. It is also
argued that companies hesitate to hire
workers for short spans of time, for example, from fifty-five to sixty-five, since
this would be insufficient time to accumulate money in the pensionfund to pay
suchworkersreasonableretirementbenefits.
As a matter of fact, most pensionplans
do not operate against the hiringof older
workers. First, many pension plans do
not pay flat monthly benefits, but vary
the benefits with years of service. Thus
older workers hired for short spans of
time would rece'ivesmall benefits. Second, some pension plans exclude shortservice workers, that is, they require a
mininum numberof years of service for
eligibility for benefits. Third, some plans
contain a maximumage provisionso that
workershired when older than the maximum age are ineligible for inclusion in
the plan. Fourth, in some plans with no
specific exclusion of older or of shortservice workers, the company will have
no pension liability for such workers,
since the benefit formula provides for a
t2

op.
Kossoris, Cit., p.

I7;

see also Clague, op. cit.

I31

companypension less social security and
the company pension for short-service
workersis so small that it is completely
or largely offset by the social security
benefit. Thus there are several ways to
adjust a pensionplan formulaso that the
hiring of older workersdoes not place an
undue burden upon employers.
ADEQUATE RETIREMENT BENEFITS

What does all this mean as far as the
individual company and its interest in
its older workers is concerned? In the,
first place, if older workers are to be
treated as individuals, they should be
allowed to exercise some choice between
retiring and remainingproductive members of society. Furthermore,if management is to manage, it must have the
right to determine what constitutes an
effective working force. Both selections,
to be free choices, depend upon the existence of adequateretirementbenefitsso
that retirement does not constitute a
drastic cut in standards of living. It is
contemplatedthat old age benefitsunder
the Social Security Act will provide a
minimum of subsistence for all retired
workers. To the extent that social security benefits do not provide adequate
income, adequacy will be achieved only
if supplementary benefits are provided
throughprivate plans.
FLEXIBLE RETIREM1ENT AGE

In the second place, the pension plan
adopted should preferably not require
retirementfor all workersat a fixed, arbitrary age, such as sixty-five, since there
in
differences the rate
are wide indivridual
and degreeof aging. Selectionof the time
for retirement should be determined as
nearlyas possibleby inability to continue
as a productive worker. This is impossible to establish in advance for indi-

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�I32

THE JOURNALOF BUSINESS

viduals, but the span of time during
which such a condition is most likely to
occurfor a groupis predictable.
One of several alternatives for introducingflexibilityin retirementplans may
be chosen. For example, a pension plan
may provide for a normalretirementage
with optional earlierretirementpossible.
The normalretirementage may be set at
sixty-five, sixty-eight, or seventy. Factors influencingthe choice of an age later
than sixty-five are the larger benefits
whichmay be providedat later ages; the
fact that a later normalretirementage is
more acceptable, since, with increased
longevity,workersare reluctantto retire;
and the fact that a retirementage can be
lowered more easily than it can be
raised. A provision permitting optional
earlierretirement at any time after age
sixty furnishes some latitude for recognizing individual differences.Benefits at
an earlier age can be provided without
increasingthe liability of the plan, but in
such cases benefitsmay be reducedto 50
per cent or less of what would have been
paid at normal retirement.
A second possibility is to permit employees to retire over a span of years
(such as from sixty to seventy) with
benefitsbased on years of service at the
time of retirement. Such a span recognizes individual differencesand is more
practicaland useful than is a fixed retirement age. An employee continuingat his
regularjob beyond the youngest age at
which he is eligible to retire would increasethe ultimate pension benefitshe is
to receive.The plan may provide that no
largerbenefitsare earnedbeyond a limiting age, such as seventy, and that an
employeemay continue his employment
beyondthat age only with the employer's
consent.Such a provisionassists the company in maintaininga certain amount of
control over the maximum retirement

age. Since the span of years selected will
in part determinethe ages at which most
retirementsoccur, the employer'sability
to meet the liability produced as well as
individualdifferences
must be considered
in establishingsuch an age range.
A third possibility is to provide for a
span of years over which employees can
retire but provide for full benefits in
event of retirement in the early part of
the span, such as ages sixty to sixty-five,
only with the company's consent and
permit no increased benefits for years
workedbeyond sixty-five. In the absence
of a compulsory retirement provision
and in considerationof the currenttrend
to keep workersproductive,many workers actually retire later than age sixtyfive. Therefore, the funds released because of retirement after sixty-five can
in many cases be used to provide the increased cost of the earlier retirements.
Even though the total of all provisions
for a worker's retirement, including his
own accumulationsfor pension benefits
and his benefitsfrom social security,may
be adequate to make a workerself-sufficient during his period of retirement, it
is important in the effective operation
of a flexible retirement system that the
level of pensions remain such that continuation on the pay roll continues to be
more attractive than retirement at a
reduced level of company and social security benefit.
From the standpoint of the funding of
a pension system, it is, of course, uneconomical to fund for an earlier retirement age than will be called for by actual retirements. While it is possible to
establish in advance an expected rate of
retirement under such a system providing for a variableretirementage, funding
in future years will be governed by revision of this rate according to the experience of the system.

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�PENSIONS ARE NOT ENOUGH
SELECTIVE PLACEMENT OF
OLDER WORKERS

A company which realizesthat a fixed
retirement age does not conform to the
realities of individual differencesamong
its older workers will provide for some
flexibility in its retirementpolicy and in
the retirementage of its pensionplan. In
addition, such a company will be interested in other aspects of dealing with its
olderworkers,such as the selectiveplacement of older workers, the selection of
workersfor retirement,and the preparation of workersfor retirement.
In a survey conducted by the National Chamber of Commerce and the
National Association of Manufacturers
among large and small companies of
many types, it was found that a considerableproportionof the companieshired
and retainedolderworkersand that most
of these companiesreportedfavorablyon
the job performance of older workers.
However, proper selection of older
workersand carefuljob-placementmethods were emphasizedas highly important
if companies are to enjoy the greatest
success with the employment of older
workers.13

I33

who are not so productive as formerly
can continue at the same job only at reduced pay. For some of this group, adjustments may be made, such as a less
rigid schedule of attendance or hours or
a change in responsibility or type of
work. A third group of workerscan better be transferred to a new job more
suitable to their capacities, for which
they may need some training.Such a job
may be at the same or at reduced pay.
Dr. Nathan Shock comments that the
success in developingpersonnelselection
at the intake side of industryleads one to
regard with optimism the prospect of
developing similar techniques for selection in retirement.'5
The proper placement of the older
workerrequiresan evaluationof his experience, skills, and physical capacities in
relation to the demands of the job. The
first step in the adequate utilization of
the potentialities of older workers for
gainful employment should be careful
and complete job analysis. Jobs should
be analyzed as to the skills required to
performthem and with respect to factors
such as speed, energy requirements,fatigue effects, judgment, and experience.'6
Aging produces certain changes, such as
sensory impairment and reduced speed
of reaction.Thus olderworkersshouldbe
placed in jobs in which these factors are
of minimal importance. According to
WilliamH. Stead, industry shoulde-valuate its jobs in an effort to fit its aging
workersinto positions that would be advantageous both to industry and to the

Dr. Edward Stieglitz states that basing retirement upon chronologic age
alone results in a double source of waste
by discarding workers who are physiologically younger than their years and
by making obligatory the retention of
many workers who have become senile
prematurely.'4Some workers at sixtyfive can continue at their regularjob at
the same pay and be as productiveor in- workers.'7
creasingly productive. Other workers
I5 Dr. Nathan
U.S. Chamber of Commerce, Department of
Manufacture, Employment of Physically Handicapped and Older Workers (Washington, I949), pp.
5, 20.
'4 Edward J. Stieglitz, The Second Forty Years
(New York: J. B. Lippincott Co., I946), p. 287.
'3

W. Shock, "Physiological Capacities of Elderly Workers," in New York State Joint
Legislative Committee on Problems of the Aging,
Op. cit., p. I33.
I6 Shock, "Older People and Their Potentialities
for Gainful Employment," p. ioo.
I7 Op.

Cit.,

p.

296.

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�I34

THE JOURNAL OF BUSINESS

When a man reaches a certain period where
Clifford Kuh suggests that there be
analysisby the job analyst of the physi- he is not able to produce what he formerly procal and environmentaldemands of par- duced or what the employer wishes him to produce, we allow him to stay in that plant at a
ticularjobs.,8 For example, jobs may be lower salary, where he may keep at work doing
classified as involving mechanical fac- things which the employer would ordinarily
tors, such as lifting, carrying, handling, allot to, say, a semi-skilled worker. We have
pushing, climbing, seeing, hearing, etc., a semi-skilled branch in our union for those
and environmentalfactors, such as in- who have neither the experience nor the qualifications of a journeyman and their rate of pay
side, outside, high temperature, low is about half the rate of pay of a qualified
temperature, vibration, noise, working journeyman printer. If the man wishes to realone, working with others, day shift, tain a job and can't quite do the work he
used to, we allow him to stay there at that seminight shift, etc.
the skills and capacities of skilled rate.20
Next,
workers necessary to perform the parWhile seniority is the governing conticularjobs shouldbe determined.Some- sideration in choosing employees to be
times a simple matter of re-engineering laid off in most collective bargaining
is possible to suit the job to an aged per- agreements,many of these contractsproson. For example, Kuh suggests that, if vide for exemptions from layoff on the
a machine operation requires too much basis of seniority. One of the likely expulling, the plant engineercan rearrange emptions is that of efficiencyconsideraor alter the length of the levers to reduce tions. In some contractsseniorityis given
the effort required, or if a job requires equal consideration with other factors,
too much stooping, the work area may such as ability or skill, experience or
be moved nearer to the level of the physical fitness. In a third group of
worker'sshoulder.19 job re-engineering agreements, contract provisions state
If
is impossible,the older workershould be that seniority provisions shall be contransferredto work he can do, with the sidered where other factors are equal.
necessary training for the new job pro- Such other factors include differencesin
vided.
ability and physical fitness.2'
The objections of some unions to the
Shock suggests that individualtests to
of
downgrading workersmay present an assess the physiological age of various
obstacle to such a practice. Many collec- organ systems must be devised, as well
tive bargaining agreements, however, as individual tests for performance
affordspecial transferrights for aged or capacity:
handicappedpersons. For example, the
Because of wide individual differencesin
agreement may state that "employees physiologicaging among personsof the same
who have given long and faithful service chronologicage, it is essential that tests of
and can no longerhandle their duties are physiologicage be developedfor variousorgan
to be given preference or consideration systems. It will also be necessary to devise
for such lighter work as is available."
Charles W.
Views Its
CharlesW. Campbell,of the New York Elderly Workers,"Campbell, "LaborJoint Legisin New York State
TypographicalUnion No. 6, states:
lative Committee Problemsof the Aging,op. cit.,
on
20

p. ioo.
18 CliffordKuh,

"Selective Placement of Older

Workers," Journal of Gerontology,I Uuly,
3I4.

'9Ibid., p. 3I6.

I946),

2!
Bureauof NationalAffairs,"Seniority,
Layoff,
Promotion, and Transfer," Collective
Bargaining
Negotiationsand Contracts,No. I24 (March io,

I950), pp. 43-52.

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�PENSIONS ARE NOT ENOUGH
more adequate methods of health examinations
which will permit the early recognition of chronic disease. Methods of assessing performance
capacities in individuals need to be developed
as well. It is in this area that research is most
urgently needed.22

As changes in the worker's abilities
and interests make it necessary, the
hours, arduousness,and difficultyof the
job can be reduced. As Lawton points
out, workersshould be placed on a modified schedule when the necessity is
proved by tests and by objective standards of working ability, not by a particular birthday or at the employer's
whim.23

In order to determine which workers
should be retained at the same job and
same pay, which need job modification,
and which should retire under a flexible
retirementplan, severalpossibilitiesmay
be considered. In some companies the
personnel bureau is used not only to
hire and fire workers but to shift them
from one type of activity to another.
One suggestionmeriting considerationis
the establishment within a company of
an impartial panel to evaluate older
workersperiodicallyfrom the standpoint
of health, productivity, emotional attitudes, and personal factors. In accordance with the findings of such a panel,
the olderworkercould remainin his present job, be placed in a less arduoustask,
be placed on partial pension with shorter
hours and a correspondingdecrease in
This would constipay, or be retired.24
a more logical approach to retiretute
ment than the class approachof throwing into a mass all those sixty-five years

I35

of age or over; it would be a case-by-case
approach, examining the actual rather
than the presumed capacity of men to
performtheir jobs adequately.25
ProfessorErnest W. Burgess speaks of
an indexof aging, an instrumentdesigned
to ascertain the actual process of aging
in its physiological, psychological, and
social aspects. Physiological aging, he
says, would be concerned with organic
conditions, such as heart trouble; psychological aging with decline in mental
ability; and sociologicalaging with contraction of social activities and interests:
The value of this index of aging is obvious.
When it has been designed and standardized,
retirement could be based on the scientific
determination of the physiological, psychological, and social efficiency of the person
rather than on the number of years he has
lived. Part time work might be assigned also
with consideration of functional rather than of
chronological age.26

To some employers automatic retirement at a fixed age appears to be easier
and kinder than singlingout individuals.
William G. Caples questions the advisability of selective retirement on the
of
recommendation a panel because "one
man is judging another man's fitness to
work and that can be cruel, if human
errorenters in.'27 He argues, in support
of a fixedretirementage, that it gives advance notice of the time of retirement
and allows a workerto plan accordingly;
it prevents favoritism; it avoids grievances; it is an incentive to youngermen;
25Clark Kerr, "Social and Economic ImplicaRetions of Private Pension Plans," Management

view, May, I950,

p. 297.

26 ErnestW. Burgess,"The Growing
Nathan W. Shock, "OlderPeople and Their
Problemof
p.
the
Potentialitiesfor GainfulEmployment," I00.
Aging," in Clark Tibbits (ed.), Living through
23 George
(NewYork: Later Years (Ann Arbor:University of Michigan
Lawton,AgingSuccessfully
22

Columbia University Press, I946), p. 73.

Press, I949), pp.

24HowardRush, "When Are We Too Old To
Work?"TownMeeting(TownHall, June I3, I950),
P. 5.

WilliamG. Caples,"WhenAreWe Too OldTo
TownMeeting(Town Hall, June I3, I950),
Work?"

22-23.

27

p. I3.

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�136

THE JOURNAL OF BUSINESS

it results in general imnprovement the
of
average productivity of the working
force;it avoids the worker'sbeing termed
unfit and the consequentloss of prestige
with family, fellow-workers,
and friends.
It may also be arguedthat individualdeterminationsand adjustments are troublesome and may be costly; that possibilities for transfer of workers to other
jobs arelimited;28 that compulsoryretirement automaticallyopens up new opportunities for younger persons; that it
decreases pay-roll costs and eliminates
the worker who is not producing efficiently in an equitable and standard
manner.29 Moreover, employers may
fear that, under a policy of individual
consideration they might be accused by
unions and individual employees of favoritism and discrimination.30
It should be noted that compulsory
retirement does not always decrease
costs; it may add to them by eliminating
efficientproducers and substituting untrainedworkersfor trained. Compulsory
retirementmay also create considerable
ill-will among retiredworkers,especially
those who are retiredwhen they are well
able to produce as efficientlyas before.3'
GeorgeLawton points out that industry spends large sums on technological
research and should devote an equal
amount to the study of changeswith age
in patterns of vocational interest and
abilities, problemsof human relations in
industrial situations, types of occupa-

tions most suitable for older people, and
methods of rehabilitation.32
There is great need for researchand experimentation on a company-by-company basis to develop methods for the
selection of employees for job transfer
and retirement. Objective, measurable
factors which could be used to determine
which workers should retire, which
should be transferred,and which should
remainin their formerjobs wouldgreatly
simplify the problem. A critical clinical
medical examination, including blood
pressure, blood counts, chest X-rays,
urineanalysis,visual and otologicaltests,
would help to measure the individual's
physiological age. This could be combined with a measure of factors such as
attendance, promptness, accidents, errors, spoilage, reworks,complaints, output, and individual morale, weighted in
terms of their relationshipto costs.
PREPARATION FOR RETIREMENT

Even though retirement is discretionary rather than arbitraryat any definite
chronologicalage, for those workerswho
retire some preparationis desirable.Dr.
Anthony Lanza points out that it is inconsistent to follow an elaborate ritual
for conditioning a man for his employment and to give no thought to preparThere is a
ing him for his retirement.33
growingbody of opinion that no healthy
man should retireuntil he is fit both economically and emotionally to retire.
28 Charles A. Pearce, "Present Employment Emotional acceptanceof retirementmay
Statusof OlderWorkers," New YorkState Joint require considerablepreparation.A proin
LegislativeCommitteeon Problemsof the Aging, gram for retirementorientation, counselop. cit., p. 4I.
ing, and preparation tailored to the
29
New York State Joint Legislative Committee
on Problems of the Aging, op. cit., p. i6.

32Lawton, op. cit., p. 98.

33 Anthony J. Lanza, "The Industrial Physician's
Role in Geriatrics," in New York State Joint
3INew York State Joint Legislative Committee Legislative Committee on Problems of the Aging,
on Problems of the Aging, op. cit., p. I6.
op. cit., p. I42.
30

Pearce,Op.Cit., p.

4I.

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�PENSIONS ARE NOT ENOUGH

needs of the individual should be set up
in all companies.
In some companies organized lecture
courses and study groups have been instituted for discussingadjustmentsin old
age. Such educational meetings, combined with an informalsocial hour, may
lead workers to think as a group about
the period of retirement and thus increase their emotional acceptance of it.
In other companiesemployees are interviewed some years before the normal
retirement date to indicate the date of
retirement, the probable amount of the
pension, the pension options available,
and to discuss possible future plans.
Service may be offered in helping the
employee find part-time employment if
such employmentis essential. The counseling of workers about available positions outside the plant may be of great
service to them. Furthermore, many
workers, for whom retirement means
retrenchment in living expenses, are in
need of help with budgetary,investment,
and other financial and economic problems. The success of the preparation of
the worker for retirement through periodic interviews will depend to a large
extent upon the skill of the interviewer
in stimulating the workerto think about
the problems of retirement.
Besides these planned interviews,
which are usually the responsibility of
the Industrial Relations Department,
other opportunitiesmay be offeredfor a
discussion of retirement problems. For
example, the visits made to the medical
department provide opportunities for
counseling by the doctors about retirement problems. In any pre-retirenient
counseling, emphasis is usually placed
upon stimulating the workerto think of
retirementas a change in activity rather
than as the end of activity.

I37

Hobby showsput on by companiesfor
all their workershave sometimes been a
stimulusto olderworkersto develophobbies which will be of great interest to
them in their retired years. Articles on
retirement in the house organ, a dinner
for the employee at the time of retirement, service clubs for employees with
long service records, a diminishingwork
load with increasingtime off as the retirement age approaches, and vocational
training for a differentkind of work are
all used by companiesin their programs
designed to prepare workers for retirement.
An increasing number of books dealing with the subject of retirement has
been publishedwithin the last few years.
Most of these offer suggestionsas to the
proper use of time during retirement,
with emphasisupon planningretirement,
including the enjoyment of leisure, hobbies, travel, and new vocational and
avocational interests. Many retired
workerswill be happiest if they can perform some kind of useful and remunerative activity. For example,an interesting
suggestion for the use of the services of
retiredofficialsof bankingand industrial
concerns is as counselors to small businesses with young and inexperienced
owners. Retired officialscould be on call
several times a month on a fee basis.
Such counselorsmight be very useful to
small businessesin procuringbank loans
as well as consulting on financial and
This wouldpremanagementproblems.34
vent the economic waste of retiring a
trained and competent business executive at sixty-five to completeleisure and
would provide great satisfaction to the
retired official himself. Some sort of
34 Suggestionmade by Philip S. Shoemaker,
of
Cleveland, cited in Burroughs, Clearing House,
July, I950, pp. 6-7.

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�I38

THE JOURNALOF BUSINESS

communityclearinghouse to bringabout substantialreductionor at no cost. Some
contacts between the small business and companieshave an annual free picnic or
the retiredofficialwould be necessary.
dinner for annuitants. Some maintain a
service annuitants clubroomin the plant
FOLLOW-UP AFTER RETIREMENT
for the use of retiredemployees.The proA company which has carefully se- vision of medical service through the
lected its workersfor retirement,tried to company medical department and comprepare them for retirement, and pro- pany visiting nurseis still anotherservice
vided a pension benefit during retire- sometimesprovrided retiredworkers.35
for
ment can perform a still further funcSUMMARY
tion. Contact should be maintainedwith
In conclusion, an employer who has
retiredworkers,who may be encouraged
to comein to discuss their problemswith provideda pensionfor his employeesmay
counselors,and a representative of the believe that he has adequately disposed
industrial relations department may of the problem of the older worker. Acmakeperiodicvisits. In case of economic tually, he has taken only one step in the
hardship,aid may be offered to retired solution of this problem. Employers
workersin helpingthem locate part-time should make the age of retirement flexjobs or in granting them financialassist- ible and eliminate the barriers within
ance. Any company employee notices pensionplans which may operateagainst
and company publications may be sent hiring and retaining older workers.Jobs
to retiredworkers.Articles on the activi- should be analyzed on an industry basis
ties of pensionersmay be includedin the to determine the skills, physical ability,
house organ. Letters from company ex- training, and related factors required.
ecutives at periodic intervals, informing Objective tests should be devised to dethem of developmentsof interest in the termine the individual worker'sphysioplant, may be sent with the pension logical and psychologicalage, as well as
check. Also Christmasletters and letters his productivity. Plans should be estabof congratulationsor sympathy help to lished for transferof olderworkersto less
keep alive the association between the demanding jobs, to allow for part-time
retiredworkerand the company.Retired employment, and to retrain workersfor
workersmay be invited to company get- jobs better suited to their capacities. A
togethers which would be of interest to programof pre-retirementcounselingto
them, both social affairs and special help workers prepare for retirement
meetings of employees for policy an- should be established. There should be
follow-up of those workers who have
nouncements.
Accordingto the interesting survey of retired. Much of this can be effectively
companypre-retirement
practicesand of accomplishedby industry on a plant-bypracticesin relation to retiredemployees plant basis. The co-operationof governprepared by Socony-VacuumOil Com- ment, of unions, and of the public is
pany, some companies have granted needed, however, if the problems of the
honorarylife-membershipsin employee older workerare to be solved.
35Socony-Vacuum Oil Company, Employee
or company clubs and have continued
Service Section, Industrial Relations Department,
memberships in company musical or Survey of Pre-retirement
Practices (New York,
dramaticgroups or other activities at a October,I949), p. 8.
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�PENSIONS ARE NOT ENOUGH

Within the area of government activity, for example, the development of
special facilities within the public employment service to care for the vocational needs of older workers would be
very helpful. Arnold S. Askin, in discussing the work of the Federation Employment Service, a free nonsectarian
guidance and placement agency devoting its primaryattention to personswho
are hard to place, suggests that special
facilities within the public employment
agency might take the form of a special
office for older workers or special staff
consultants within each public employment office.36
The Sub-committee on Low Income
Families of the Joint Committee on the
Economic Report recently recommended:
The Joint Committee on the Economic
Report request the appropriateGovernment
agenciesto study the incidenceand extent of
existing restrictions employment of older
and
workersin Government industry,and report to the Committeeon their findingswith
may be
regardto ways in whichthese barriers
to
removedand older workersencouraged remainin productiveemployment.37

I39

partment of Laborin this field,.In an address deliveredon December 3, I949, he
commentedas follows:
The problem calls for a fundamental reexamination of industry practices regarding the
hiring and utilization of older workers. Labor
unions and the older workers themselves must
be willing to cooperate, as many of them have,
in the adoption of a more flexible approach
towards the shifting of older employees to jobs
for which they are more suited. And we, in
the Department of Labor, can cooperate too
by making available the facts on how these
older workers are actually utilized, their productivity, and the types of work they can best
perform. We have had a long-standing interest
in the employment problem of older workers,
and are committed to assembling as much pertinent data as we can, within the limits of our
resources.38

On another occasion he said:
We, of the Department of Labor, are especially conscious of the need for much more research into the many facets of these problems.
There is a great dearth of current and comprehensive data on a number of key points.
We need to know more about the actual practices of employers in hiring and separating older
workers, and in reassigning superannuated
employees. We require more information on the
actual work performance of older people. How
does the quantity and quality of their work
compare with that of younger people? This
kind of information for various industries and
occupations could indicate the kinds of work
for which older persons are best adapted, and
least adapted.39

One of the "appropriategovernment
agencies" is the Department of Labor,
which has recognized its responsibility
for research in this area. Ewan Clague,
commissionerof labor statistics, in nuIn the area of union activity, there are
merous addresses and articles on probaged worker, has spoken of many labor-management agreements
lems of the
the need for further researchby the De- which protect the aging worker on the
job. Seniority rules offer protection to
36 Arnold S. Askin, "Can We Expand Employworkersin some industries.In the buildment of the Elderly? If So, How?" in New York
State Joint Legislative Committee on Problems of ing trades the union contract may rethe Aging, op. cit., p. II 4.
37U.S. Congress, Senate, Joint Committee on the
Economic Report, Sub-committee on Low Income
Families, Low Income Families and EconomicStability (Senate Doc. No. I46 [8ist Cong., 2d sess.1)
(Washington: Government Printing Office, I950),
p. I3.

38 Ewan Clague, "The Background of the Pension
Problem" (address before the Machinery and Allied
Products Institute, Washington, December 3,
p. 7.
I949),

39 Clague, "Some Industrial Aspects of Aging,"
p. I0.

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�I40

THE JOURNAL OF BUSINESS

quire the employment of an older man
foreachfive, seven, or ten journeymenon
the job. However, as Clague points out,
the senioritysystem, which increasesjob
securitywhen a workeris employed,may
work to his disadvantage when he is
unemployedand looking for a job. The
desireof employersto care for their own
aging workers may freeze out the older
personwho no longer has an employer.40
The co-operationof older workers, of
private and public agencies, and of specialists in the field is needed to institute
40Ibid., p. 9.

the necessary research in this area and
to develop a comprehensiveprogram to
meet the needs of older workers. Public
education as to the strengths and potentialities of older workersis essential.
Certainly, the problem is nation-wide
in scope, and its solution goes beyond the
efforts of any individual company or
union and requires the co-ordinated efforts of all groups in the community. It
may well be, however,that the individual
company has the basic role to play in
contributingto the solution of this pressing and highly significantproblem.

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                <text>A selection of photographs and newspaper article clippings in the Center's collections related to breaking ground on the new center.</text>
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                <text>A plan of the plot of land acquired at the corner of Williams and Hamilton Streets for the Adult and Senior Center of Saratoga.  The text reads "This area, adjacent to the St. Peter's Academy playground, has been designated as a possible location for a new Saratoga Springs Senior Citiens Center.  The key below the diagram explains the various parcels of land which would be affected by construction fo  a new center.</text>
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                <text>[Photo with Minne Vokes]</text>
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                <text>Caption reads: The Saratoga Springs Senior Citizens Center, Inc., was the scene of an anniversary celebration Tuesday night when members observed the founding of the Center five years ago. Lighting candles on the anniversary cake, left to right are: Robert B. HOrsfield, whose interest in the Center has developed from the Golden Age Club which preceded it; Mrs. Arthur m. Vokes, executive director of the Center, and William L. Owen, another member of the original Golden Age Club, who is vicepresident of the board of directors of the Center. The Musicians Union provided music through the transcription fund. Birthdays of several members were also recognized.</text>
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                    <text>Public Servlc~

..-t;SATORDA'?; ~

As We See it- What~ Your Reaction?

I

'--

Aid for Our Seniors
\

GOVERNOR HARRIMAN'S order creating an interdepartmental committee and his appointment of a special
assistant are a couple of steps in the direction of an orderly approach to the problems of our state's aging citizens. The assistant, a former assistant U. S. Secretary
of Labor, is directed to formulate programs.
The committee appears to be the kind of group the
State Joint Legislative Committee had in mind. In its
1953 report of a five-year exhaustive study of elderly
citizens' problems, the first made by any state, the legislative group recommended an interdepartmental advisory
committee to achieve "a team approach among ~he various
departments dealing with problems of the aged." Also
recommended then was a statewide citizens' committee
on the aged to be a "watchdog on· state programs for the
elderly."
. Now, speakiag in the same vein, the Governor says
lt is necessary that various departments and agencies coordinate their activities. To that end his new assistant
wilt head up a committee to include state officials.
And so the Desmond committee can take satisfaction
in early evidences that the Harriman administration intends to carry out a program for strengthening the selfrespect and dignity of 1,400,000 elderly citizens of the
state. Here is a field in which both parties can work side
by side,
Speaking for themselves are the economic needs of
our senior citizens: 30 percent of the state's families whose
heads are 65 or over have incomes of less than $1,000 a
year; 77 percent of the people 65 or over who live outside
family circles have less than $1,000 in income. Crying out
as clearly for a constructive program are the breaking
spirits and damaged morale of our neighbors in the sunset years. These are needs to which society cannot close
its eyes. This is a problem in which politics can have no
part.

I

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              <text>I Aid for Our Seniors I \&#13;
GOVERNOR HARRIMAN'S order creating an interdepartmental&#13;
committee and his appointment of a special&#13;
assistant are a couple of steps in the direction of an orderly&#13;
approach to the problems of our state's aging citizens.&#13;
The assistant, a former assistant U. S. Secretary&#13;
of Labor, is directed to formulate programs.&#13;
The committee appears to be the kind of group the&#13;
State Joint Legislative Committee had in mind. In its&#13;
1953 report of a five-year exhaustive study of elderly&#13;
citizens' problems, the first made by any state, the legislative&#13;
group recommended an interdepartmental advisory&#13;
committee to achieve "a team approach among ~he various&#13;
departments dealing with problems of the aged." Also&#13;
'-- recommended then was a statewide citizens' committee&#13;
on the aged to be a "watchdog on· state programs for the&#13;
elderly."&#13;
. Now, speakiag in the same vein, the Governor says&#13;
lt is necessary that various departments and agencies coordinate&#13;
their activities. To that end his new assistant&#13;
wilt head up a committee to include state officials.&#13;
And so the Desmond committee can take satisfaction&#13;
in early evidences that the Harriman administration intends&#13;
to carry out a program for strengthening the selfrespect&#13;
and dignity of 1,400,000 elderly citizens of the&#13;
state. Here is a field in which both parties can work side&#13;
by side,&#13;
Speaking for themselves are the economic needs of&#13;
our senior citizens: 30 percent of the state's families whose&#13;
heads are 65 or over have incomes of less than $1,000 a&#13;
year; 77 percent of the people 65 or over who live outside&#13;
family circles have less than $1,000 in income. Crying out&#13;
as clearly for a constructive program are the breaking&#13;
spirits and damaged morale of our neighbors in the sunset&#13;
years. These are needs to which society cannot close&#13;
its eyes. This is a problem in which politics can have no part.</text>
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                    <text>Senior Center 60th
Anniversary
Rebecca, Phoebe, Natasha, Tracey, Eli

�Overview of our Documentary
● History of the Center
○ Leadership
○ National historical context
● Present day at the center
○ Interviews
○ Connecting then and now
■ ie. activities, events, dinners, trips
● Future for the center; what do the next 60 years look like?

�History
●
●

●

●

Founding of the Golden Age Club in
1955
Moving of center from the former
Veteran’s center or Presbyterian
church to current location
○ Construction, physical changes to
the center itself
National historical context
○ Older Americans Act in 1965→
pressure to better provide for
older citizens
Executive Directors
○ Hogan→ Vokes→ Davis →
Celeste

�The picture on the left shows the opening of the Center’s first building in 1959. On
the right, a group of members stand on the steps of the Center a year after it
opened. Edna Hogan, the executive Director of the Center, is present.

�Mrs. Vokes

Unfortunately, we haven’t yet found any photos of Mrs. Vokes,
but we have found some articles and other documents that lend
insight about her role at the Center as executive director.

In an article from 1969, Mrs. Arthur Vokes, or Marjorie
Vokes is described as: “Happy to meet there any county
residents over 50 who are interested in a vital purposeful
organization, with no yearly dues, with classes, trips, and
food at cost, and with a hearty welcome for all”, showing
her compassion for her work.

An article from January 1968 cited: “A group from salem visited the club to get some ideas for
the Senior Citizens Group they are planning in their town. This is a very active group of
oldsters and they certainly spend many happy hours together. This organization is one of the
agencies of the United Community Fund and all senior citizens of any race, creed or color are
invited to visit there,” suggesting that the spirit of the center was as vibrant during Vokes’ time

�The article on the left from 1977 shows the
groundbreaking of the Senior Center. The
picture on the right is the sign welcoming
seniors to the Senior Citizens Center of Saratoga
Springs in its early years.

�Robert J. Gass
On March 21, 1976,
Robert J. Gass was
elected president of the
board of directors at the
Center. Robert Gass, a
“life-long Saratoga
Springs resident,” began
working as a clerk of the
City Council in 1934. He
worked through nine
mayors as an assistant
Assessor from February of
1939 until June of 1972.
Soon after he retired from
the City Council, he came up with the idea for a new senior center,
which was created and then named after him. Until his death in 1991,
Gass made four monthly visits to the senior center acting as a liaison
for
the Assessor’s Office, and answered questions about the city
government.

�Frequent press publicity for the center
Articles focused on the progression
of the center as well as the way that the
seniors were being affected by the
center and what was happening.
We have lots of articles about the
center in the archive.

�Activities and Classes
The weekly routine of the center is something
that the seniors have come to rely on. They know
when their favorite classes are, and are excited to
come in each week to participate in art and
physical exercise classes, eat meals at the center,
shoot pool, crochet, play cards, and much more.

�Holidays and Celebrations
Christmas festivals, among other
holiday festivals, used to be big at
the Center. The director of the
Center mentioned that they
replaced the festivals with
monthly dinners.

�Each year for a number of decades, the
Center crowned its new king and queen.
Though this tradition stood for decades, it
doesn’t occur any more.

�The Center and Technology
From color television to video chatting from around the world, technology has
vastly changed over the 60 years of the Center’s existence. It has been and
continues to be an intergenerational connector between seniors and younger
volunteers or relatives of members. Today, seniors can come to the center for
technological support!

�Future Projections/Goals
● Full 8-10 minute documentary
● Film more interviews
● Film public’s reaction to what a senior center
is, and what their perceptions are
● Organize our history into chronological order
● Continue finding information on leadership

�Thank you!
Questions?

�</text>
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Ruben, Eli&#13;
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Wingate, Tracy</text>
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                    <text>Millie Tan ‘77 Interview Log
June 7, 2017
00:00:03 Class of 1977, from Jackson Heights, Queens, in New York City
00:00:12 Lives in Chapel Hill, North Carolina
00:00:23 Major in History and Minor in Secondary Education
00:00:40 An average week was a mix of classes, studying, and interactions with
classmates of all classes
00:01:00 Lived in a co-ed dorm and remembers late night conversations
00:01:35 Remembers a long conversation on world hunger
00:03:50 First thought would be an English major until took a course with Tad Corroda
who became mentor
00:02:50 Took courses in Philosophy and branched out in social sciences
00:06:00 Chinese-American parents didn’t read or write Chinese or English
00:06:40 Visited Skidmore, completely different than Queens
00:07:30 Insecure about inexperience to extracurricular that other students had
00:08:38 Skidmore allowed Millie to develop through professors and classmates
00:10:00 Weren’t many minorities, smattering of international students
00:13:00 Didn’t feel that there was much activism
00:14:04 Felt Skidmore was a bubble, everything was possible, little obstacles to make
things happen
00:17:145 Social, interpersonal, building aspect had a long impact on Millie
00:18:40 Loves “Creative Thought Matters”
00:19:00 Strong believer in the liberal arts education
00:21:00 Regrets not studying abroad, thought wasn’t affordable
00:22:08 Feeling of serenity on campus
00:23:12 Worked in Dining Hall
00:25:20 At reunion, reconnecting with friends
00:30:50 Skidmore creates a community and hopes that continues
	&#13;  

�</text>
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June 6, 2017
00:00:00 Graduated in 2012
00:00:12 Double Majored in Business and Economics and Double Minored in Spanish
and Honors
00:00:19 Involved in Student Government and Integrity Board
00:00:30 Lives in San Francisco, from Bay Area
00:00:41 Worked in for Kaiser Permanente and does internal consulting
00:01:07 Will get NBA in Fall at Northwester Kellogg School of Business
00:01:40 London Freshman at Skidmore, went recently traveling in Europe
00:02:02 Went to New Orleans with friends from Skidmore
00:03:00 Still involved with friends and network, core friends, friends I work with
00:03:20 Help other Skidmore alum with jobs
00:03:40 First time back at Skidmore
00:05:00 Student Government story, political discussions. Occupy Wall Street began,
00:05:40 For an Occupy Skidmore event, put on Throughbread costume
00:06:50 Started Thoroughthreads, an ironic humor clothing company with friends
00:07:12 Developed a business plan through major and worked with 5 local businesses
00:10:00 Terrence Blanchard spoke at Graduation
00:10:20 Blanchard was part of Freshman reading for Scribner Seminar
00:10:30 Spoke for Senior Class Gift at graduation
00:11:20 Intro to Business Class is memorable, MB107 with Professor D’abate
00:11:40 First time realized he was smart
00:12:20 Became an MB107 coach
00:12:51 Took a ballet class: Mind, Body &amp; Spirit
00:15:03 Doesn’t miss small beds in dorms
00:15:50 Misses having friends that encourage you to do well and be well
00:16:30 Misses comradery in D-Hall (Dining Hall)
00:17:31 Notice physical changes on campus (ADA compliant walk way)
00:18:45 When a freshman, tried to absorb everything
00:20:00 Used stipend in London
00:21:15 Being Student Government President was meaningful as leader of peers
00:23:50 People come together when it “matters” in terms of political activism
00:24:30 Tensions regarding race relations
00:27:00 Students are transient

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                  <text>Many people who have worked or studied at Skidmore College or lived in Saratoga Springs or the surrounding area carry the memories that help us tell the stories of our communities. &#13;
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                <text>Nursing Memory Project cover photo</text>
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