Nearly half of all retirees had to leave the workforce early and for factors that were beyond their control, a survey by LIMRA has found.

LIMRA Retirement Research found that for 49 percent of retirees, their retirement date was dictated by job loss due to layoffs, employer buyouts, negative work environment or because of health issues. Only 45 percent of retirees said they retired when they planned, and 6 percent retired later than planned.

Retiring early can have a negative effect on a person's standard of living. There are fewer years to earn and save money for retirement. In addition to the loss of a regular paycheck, early retirement also affects employer-provided benefits, such as health care coverage and retirement contributions.

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