Hello! In general, a retired person is someone who has left the workforce and is no longer employed. Retirement can occur at any age, depending on the circumstances. Some people retire early, while others may work well into their 70s or beyond. When a person retires, they may live on a variety of sources of income, including savings, investments, Social Security benefits, or pension payments. Pensioners, on the other hand, are retired individuals who receive a pension from their former employer, typically as a form of retirement income. A pension is a regular payment made to a person who has retired from their job after having contributed to a pension fund while working. In summary, the main difference between a retired person and a pensioner is that a pensioner is a retired person who receives a pension payment as a form of retirement income. However, not all retired persons are pensioners, and some may rely on other sources of income such as savings, investments, or government benefits.

It depends who you ask. Some people use the words interchangeably for anyone no longer working, others more precisely only for those who are receiving a pension. It may vary from place to place. But nowadays, in the U.S. at least, that difference doesn't amount to much since just about all old people are getting something from somewhere. So there's no harm in just assuming "pensioner" = "old person".