Financial disruptions, which can play havoc with retirement plans, are forcing people to put off the day they quit work until 68, a delay of five years. 

TD Ameritrade's 2015 Financial Disruptions Survey is full of cheery news like that, looking at how such life events as illness, divorce and unemployment throw retirement plans into disarray. What will come as no surprise to many is that some of these events exert such force that not only must retirement be postponed for years, it sometimes never occurs at all. 

The two-thirds of survey respondents who have experienced one or more of these financial disruptions were planning on kissing the workplace goodbye at age 63. However, once their finances were overset, so were their retirement plans. Forty-four percent of those who experienced a disruption said they were not prepared to deal with the financial consequences of what life flung at them.