Everyone must make their own decision. Mine was made for me by illness, even though my (terrific) employers wanted me to stay on.
I didn't want to stay as inevitably I would not be able to work in a way I felt the job deserved.
I was diagnosed with a health issue in 2010 and retired early in 2013 having had something like 35 weeks off sick in the interim period.
I have a great friend who is a local undertaker; over a pint he told me "Simon, I've never seen a grave stone that says; I wish I had spent more time at work.
So, Peter (and anyone else making the decision); it has to be on your own judgement; however just enjoy each day, whether at work, or retired.
