My wife just had to deal with this in her career field (veterinary medicine) and after seeing what an absolute pain in the ass the entire ordeal is, it's now my number one reason why I am against changing the retirement age for pilots.
 
	 
 
	If we raise it again, we just need to admit that we are marching towards no age limit, and I really don't want to turn the first officer's responsibility into monitoring and reporting older pilots for losing the mental capacity to handle the job. And that's exactly what's going to happen. Everyone who's been through a first class medical or annual recurrent training knows what a joke it is. 
 
	 
 
	Wanna raise the retirement age? Fine. Then we do real, randomized, individual cognitive testing. Every year once you turn 55, and before your next flight if you are reported by another pilot. Easier to just keep it at 65, IMO.