The midlife MOT is free online support to encourage people in their 40s, 50s and 60s to make more active planning in the key areas of work, wellbeing and money. It is aimed at both employees and employers and can help you to make choices that will ensure the future retirement you want. 

Why is it important to me?

At some stages in your working life, you could be at risk of losing your job unexpectedly, including through redundancy. Additionally, health problems and caring responsibilities disproportionately affect people over 50. Once out of work, it can be difficult to return. 

Many people underestimate what they will need in later life. Planning ahead can boost your resilience in crucial areas. Start your midlife MOT journey now by asking yourself: 

• My work: Am I confident I can continue in my current job, or do I need to protect myself by reskilling? Will caring responsibilities or other priorities mean I need to work more flexibly?
• My health: Am I taking the right steps to maintain or improve my health? Would workplace adjustments make it easier for me to stay in my job for longer? 
• My money: Do I have enough savings to maintain my current lifestyle? I’m confused about pensions, what are my options? 

My work and skills: As your situation changes as you get older, you may find that flexible working arrangements can make a difference. 

Workers often view flexible working as a good way of helping them to stay in work. You have a right to request flexible working arrangements from your employer. You may also consider becoming self-employed. 

My health: Many people have to give up work due to their health but suitable paid work can be good for your health and wellbeing. Giving up work might be avoidable if support is sought at the right time. 

You can also search NHS Better Health for free tools, advice and guidance on how to work towards a healthier lifestyle, whether it’s losing weight, getting more active, looking after your mental health, or quitting smoking. You may be entitled to a free NHS health check every 5 years. The Heart Age Test tells you your heart age compared to your real age. 

My money: How strong are your finances if your circumstances change? Do you know when you will have built up enough of a pension pot to retire and carry on doing the things you enjoy? 

Money Helper offers information on your financial options, including workplace and personal pensions which could enable you to better manage your finances. If you are self-employed, you can have a free one-to-one midlife MOT. 

Click here to get started.