@GeneM. The sentence as it stands right now is not incorrect (My mom is retired). I'm an American and I hear (and say) this frequently. My mom is retired.
Does this mean literally someone who receives a pension (but who may be still relatively young), or someone who has reached retirement age (but may not literally receive a pension) or either/both? In other words, what would a Ukrainian person mean or understand from this word? (Please).