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Night owls are more likely to retire early and claim disability benefits, new research finds

From the Newshound archive · first published 30 September 2026.

People who stay up late face a significantly higher risk of early disability retirement, with the health and financial toll worsening later in life, researchers warn.
People who stay up late face a significantly higher risk of early disability retirement, with the health and financial toll worsening later in life, researchers warn.

People who stay up late and struggle to rise early face a significantly higher risk of leaving work through ill health and relying on disability benefits, according to new research. The finding adds financial consequences to a growing list of health risks already linked to evening chronotypes. Scientists say the mismatch between night owls' natural body clocks and standard working hours may drive the problem.

Those with evening chronotypes face greater risk of early disability retirement than early risers, the study found.

The health and financial toll of being a night owl grows worse later in life, researchers warn.

The findings raise fresh questions about whether workplace schedules are pushing late-sleepers towards welfare dependency.

MoreFinancial TimesNight owls more likely to claim disability benefitsThe TimesNight owls ‘more likely to retire early and need benefits’Countryfile.comNight owls more likely to retire early due to long-term medical problems, new study finds - Countryfile.comNews-MedicalPeople with evening chronotypes face higher risk of early disability retirement - News-MedicalMedical XpressNight owls may struggle to continue working until official retirement age - Medical XpressNew York PostNight owls may have a particular late-in-life problem that’s bad for their health — and wallets - New York Post
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