Preretirement programs were first offered as employer-personnel services in the 1970s. For the employer, these services encourage company loyalty, and act as good public (and employee) relations tools; for the employee, these programs offer valuable advice and up-to-date information on post-retirement financing plans. The number of retirement plans has increased the need for preretirement counseling. Most firms offer preretirement counseling when an employee turns 50. A usual preretirement program consists of a workbook for each employee and a series of seminars on such topics as financial planning, legal affairs, health planning, insurance coverage, leisure and living planning, and post-retirement work options. Although people are continuing to retire early, they also have a tendency to obtain post-retirement employment; consequently, this is a topic which every preretirement counseling program should cover. Normally, preretirement counseling should occur during regular work hours, to underscore its importance. Most firms divide employees to be counseled by hierarchical group, to facilitate the sessions (since the financial concerns of individuals generally reflect their income levels). Since January 1, 1987, it is unlawful to force an employee to retire, in most situations.