The elders i have known who did it without getting DF/DA just did as stated," i resign." Don't state anything in writing. And whatever u tell them don't tell them something they can disprove. example, sick parents when they aren't, etc. That is too easy to check on. Now vague health problems, esp chemical sensitivites, who can disprove them? Be careful with working extra, unless your wife suports what u are doing. Again, they could disprove that. Whatever u chose, just make sure they can't track down another person and ask them if it is true. I thiink health works the best and will garner u some sympathy too.
I'm not an elder, but due jto my health, have not been bothered by anyone except the PO's wife. And she is sweet, so if she wants to call, fine.
DJ has a good point, but who among us can just drop our entire life like that.