Research from the Employee Benefits Research Institute points to an increase in the age of the work force, which is not a surprise to many. EBRI says 38 percent of Americans older than age 55 are in the work force, up from 29 percent in the 1993. In addition, 29 percent of people age 65 to 69 are working, compared to 18 percent in 1985.

Why are so many people who traditionally would be retired still working? Two reasons: health care benefits and retirement savings.

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