Table 4 Multivariate models with different time windows of significant determinants of retirement among workers aged 55–65 years in the European Household Panel Survey with at least 2 consecutive previous years of employment before retirement.

Determinant	Years before retirement
	1 year	2 years	3 years	4 years
	OR (95% CI)	OR (95% CI)	OR (95% CI)	OR (95% CI)
n (stayed employed)	3140	3167	2097	1778
n (became retired)	1374	1384	806	345
Poor health–low education†	1.7 (1.4 to 2.2)*	1.7 (1.3 to 2.1)*	1.4 (1.0 to 1.9)*	1.6 (1.0 to 2.4)*
Good health–low education	1.3 (1.0 to 1.6)*	1.2 (1.0 to 1.5)	1.2 (0.9 to 1.5)	1.2 (0.8 to 1.8)
Poor health–intermediate education	2.0 (1.6 to 2.7)*	1.8 (1.3 to 2.4)*	1.7 (1.2 to 2.6)*	1.7 (1.0 to 2.9)*
Good health–intermediate education	1.4 (1.1 to 1.6)*	1.3 (1.1 to 1.7)*	1.2 (0.8 to 1.7)	1.1 (0.7 to 1.7)*
Poor health–high education	1.5 (1.0 to 2.2)*	1.1 (0.8 to 1.6)	0.8 (0.5 to 1.3)	1.1 (0.6 to 2.1)
Good health–high education	1	1	1	1
Married	0.8 (0.7 to 1.0)*	0.8 (0.7 to 1.0)*	0.8 (0.7 to 1.0)	0.9 (0.6 to 1.2)

n/a = not available in data collection.

*Wald's χ² test, p<0.05.

†Significant interaction.