A tough job market can be especially tough for older job seekers, who even in boom times report rampant age discrimination.

"I am aware that my age is an obstacle," says Frank Jones, 61, who works in the insurance industry. "But, I don't bring it up."

Labor market analysts argue, however, that age is an issue the country must address. By 2030, 20 percent of the U.S. population will be over 65. If older workers continue to leave the work force, experts expect a massive labor shortage and uncertain futures for Social Security and Medicare.

Use these tips to make your age an asset -- not an not an obstacle -- in your job search.

Know Your Rights

While age discrimination is illegal, it is often subtle and difficult to prove.

"It doesn't happen overtly among sophisticated Human Resources recruiters," says Susan W. Miller, a professional career counselor based in California.

Familiarize yourself with the Age Discrimination in Employment Act (ADEA), which generally prohibits work-related age discrimination for those 40 and older. Click here to learn more: http://www.toolkit.cch.com/pops/P98_05_0140_03.asp

If you have physical limitations, familiarize yourself with the Americans with Disabilities Act (ADA). Click here to learn more: http://www.toolkit.cch.com/pops/P98_05_0140_01.asp

Stay Current

While keeping skills current is a good idea for everyone, it's essential for older job seekers, experts say.

The American Association of Retired Persons (AARP) suggests updating skills every five years.

Start with basic computer literacy. You should know how to use e-mail, connect to the Internet and operate a word-processing program, like Microsoft Word or Word Perfect. Most community colleges offer classes in basic computing.

After you've mastered these skills, tackle common office-software packages, such as Microsoft Office and Lotus Notes.

Target Your Industry

Age can sometimes be the qualification that sets you apart.

"For instance, would you rather go see a 20-year-old therapist or a 40-year-old therapist?" asks Miller. "There are some jobs for which experience and age count."

"Look [for jobs] in the non-profit or public sector," Miller advises, "where age is not as much of an issue."

Avoid the 'Overqualified' Label

Rather than crowding all your work-related experience and skills into one resume, pick and choose the qualifications most relevant to the position you're interested in.

If the word "overqualified" comes up, consider this advice from the American Association of Retired Persons: "Stress that you are fully qualified as opposed to overqualified."