Retirement isn't all it's cracked up to be for many boomers, who'd work if they could.

But, according to a new study from Bankers Life Center for a Secure Retirement, they can't. The study "New Expectations, New Rewards: Work in Retirement for Middle-Income Boomers" has found a range of reasons has kept 48 percent of retired boomers off the job, when they'd rather be working — and earning.

Among the forces keeping boomers at home are poor health (35 percent), the health of a loved one (5 percent) and the inability to find a job (8 percent).

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