Only 17 percent expect their standard of living to increase, and 9 percent are not sure what will happen, the survey showed.

“As the economy continues its recovery, workers can further improve their chances of achieving a comfortable retirement by taking steps today to update their retirement savings goals and finding a road map to achieve those goals,” says Transamerica Center president Catherine Collinson.

“Most people plan to work longer and retire at an older age. Yet with a solid strategy, many may be able to retire sooner, transition with greater flexibility and on their own terms,” she said.

About 65 percent of baby boomers (those born between 1946 and 1964) plan to work after age 65 or don’t plan to retire. The top reasons for working in their golden years: income and health benefits, the survey found.

Some boomers are taking steps to stay employed: 26 percent have a backup plan for retirement income in case they are forced into full retirement sooner than they expected; 65 percent say they’re staying healthy to continue working; 41 percent are keeping their job skills current; and 16 percent are networking and meeting new people.

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