I get what you’re saying, but retirement is a number in your bank account, not an age. Also, if you cannot work due to disability, you’re on disability, not retired. They are completely different animals. If they are disabled they need to push for disability. It’s not easy to get, but it’s better than wallowing in financial limbo.

If people literally retire with insufficient finances it’s a bad decision.

You’re right, we don’t know their health circumstances, but at face value these folks don’t seem like the best decision makers.