About 65 percent of 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.

Lots of boomers are being proactive 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; 16 percent are networking and meeting new people; and 14 percent are scoping out the job market for possible opportunities.

“With so many baby boomers planning to work longer and retire later, they are taking steps to stay marketable,” said Catherine Collinson, president of the nonprofit Transamerica Center for Retirement Studies, which commissioned the national survey of 4,143 full-time and part-time workers conducted this winter by Harris Poll.

Although many baby boomers want to shift from full time to part time as they transition to retirement, only 21 percent say their employers have programs that would accommodate them.

“Most baby boomers are envisioning a transition into retirement which involves reducing hours to afford them more time to enjoy life or involves encore careers that are more personally satisfying or less demanding,” she said. “The vast majority say their employers do not have policies in place to accommodate this type of transition, so it’s likely they’ll have to change employers or explore something entrepreneurial.”

According to the survey, baby boomers have a median household retirement savings of $127,000 up from $75,000 in 2007.

However, boomers don’t think that’s enough to live comfortably in retirement. About 36 percent plan to rely on Social Security as their primary form of income when they retire, up from 26 percent in 2007.

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