Part of it has to do with the fact that women are more likely than men to do part-time work or to work in a small business -- in jobs that are less likely to offer the kind of insurance that you really need.

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If you still have a bit of a gap between the money you spend and your pension income then you could, as you rightly suggest, do a bit of part-time work.

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But only one-third of those who work part time do so while staying with their career employer, Wyatt found.

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To do all this work, TARIS employs 15 full time people and five part-timers.

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Men do not have much of a choice in working part-time or full-time, they work or they work.

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You might enjoy the retired life more if you find part-time work that provides some income and health insurance while giving you the freedom to do what you want in your non-working hours.

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Most mothers do not work full-time anyway (though the proportion who do is growing), and their part-time jobs are ill-rewarded.

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Mr Levenson adds that most of these part-timers, four out of every five, are people who do not want to work full-time because of family and other commitments.

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But 52% of working women do not have access to a 401(k) or 403(b) plan, because they work part time or for other reasons, according to the National Center for Women and Retirement Research.

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