Headlines may tout an economic recovery, and some studies may find Americans' financial situation improved, but that's not playing out when it comes to their retirement plans.

According to Willis Towers Watson's "Global Benefits Attitudes Survey," 23 percent of U.S. employees believe they'll have to work past the age of 70 if they're going to live comfortably in retirement.

And that's if they think they'll be able to retire at all; another 5 percent don't think they'll ever be able to retire. According to the survey, while the average U.S. employee expects to retire at age 65, they admit there is a 50 percent chance of working till they turn 70 years old.

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