A further effect of the rise from 65 to 66 was an increase in employment, with the largest effects for those with the lowest educational attainment and those living in the most deprived areas. We were concerned to hear that, while later working is generally good for health when it is voluntary, this is not the case when it is due to financial necessity, particularly for people having to continue to in physically demanding jobs. In addition, almost a quarter (24%) of the poorest pre-pensioners were working while frail or pre-frail and so vulnerable to significant deterioration in their physical and cognitive functioning. (Conclusion, Paragraph 60)