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Ask for a raise. Tell them there's no retirement plans because of inflation now, and she can see herself staying there another 10 years.
They might not lay her off because they know she'll retire soon anyways. Increase her cost of employment so it's no longer cost effective to just wait it out.
I mentioned asking for a raise, but she countered that they would want her to jump ship.
I don't see how asking for and not receiving a raise puts any more pressure on the company to surplus her. I agree with her that it would signal that she will quit if they don't pay her more.
It's all moot at this point, because it looks like she's going to get disability for job stress related illness. At least that's what she's told me her doctor said.