is the opposite result than he found for Old Member States. He explained that: "The reasons for these results can be the facts that significant gender wage gap exists in New Member States, household sizes are bigger in these countries than in Old Member States and males play important role in household income which make them retire less than females." United States Quinn et al. (1998) find significant correlation between health status and retirement status. They transform answers for question about health status from five levels ("excellent", "very good", "good", "fair" and "poor") into three levels and report results for three groups of people. 85% of respondents who answered "excellent" or "very good" to the question about their health in 1992 were still working two years after this interview, compared to 82% of those who answered "good", and 70% of those answered "fair" or "poor". This fact is also true for year 1996: 73% of people from the first group were still on the job market, while this is 66% and 55% for other groups of people. However, Dhaval, Rashad and Spasojevic (2006) using data from six waves of Health and Retirement Survey (HRS) show that relationship between retirement and health status can imply the opposite effect in reality: physical and mental health decline after retirement. Benitez-Silva (2000) analyzes determinants of labor force status and retirement process among elderly US citizens and possibility of decision returning to work using logit and probit models. He uses Health and Retirement Survey (HRS) for this purpose and finds that physical and mental health has significant effect on becoming employed. Male respondents are more likely to change their status from being not-employed to employed, but being insured has a negative effect on switching job status from “not-employed" to "employed" for people aged 60–62 and insignificant effect for 55–59 and aged over 63. Saving for retirement Overall, income after retirement can come from state pensions, occupational pensions, private savings and investments (private pension funds, owned housing), donations (e.g., by children), and social benefits. In some countries an additional lump sum is granted, according to the years of work and the average pay; this is usually provided by the employer. On a personal level, the rising cost of living during retirement is a serious concern to many older adults. Health care costs play an important role. Provision of state pensions is a significant drain on a