Even though most people are looking forward to an activeretirement—whether that encompasses travel,time spent with family or on hobbies or actually a retirement thatincludes another job—a report on the global retirement situation says they’re just notdoing enough to make that happen.

The Transamerica Center for Retirement Studies’ report“Successful Retirement: Healthy Aging and Financial Security,”issued in collaboration with Aegon Center forLongevity and Retirement and Instituto deLongevidade Mongeral Aegon, says that the growing need forpeople to self-fund more of their medical care in retirement andtheir lack of savings even for the basic needs inretirement can threaten any plans they may have.

Research already indicates that between rising health care costsand the toxic political situation surrounding the question of whoshould be helped with those expenses and who gets cut adrift tomanage on their own, a retired couple is now expected to need aquarter-million dollars or more just for medical expenses.

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Since most people have a very small fraction of that amountsaved, it doesn’t bode well for retirement security.

And according to the survey, people are neither taking goodenough care of their health prior to retirement nor saving enoughmoney to pay their way.

Not only does that have to change, the report says, but thesituation “requires policymakers, employers, industry and companies… to work together to help remove obstacles and implementsolutions.”

“Historically, retirement planning has almost exclusivelyfocused on the finances without adequate consideration of health,”Catherine Collinson, president of Transamerica Center forRetirement Studies and executive director of Aegon Center forLongevity and Retirement, is quoted saying.

Collinson adds, “A successful retirement, one in which we canfully realize our dreams, requires that we maintain good health andbecome financially secure. Unfortunately, many people are failingto prepare in ways that can increase their likelihood ofsuccess.”

Globally, the report finds that the top three retirement goalsare traveling (62 percent), spending time with friends and family(57 percent) and taking up new hobbies (48 percent), while 26percent of respondents globally and 37 percent within the U.S. alsointend to hold some kind of paying job.

And while 82 percent of workers and retirees globally worryabout their health in old age—89 percent in the U.S.—the reportsays there’s a “major disconnect” between how healthy they thinkthey are and their actual health behaviors.

Although 32 percent of U.S. workers plan to work till 70 ornever retire, that fails to recognize that 61 percent of retireerespondents in the U.S. say they retired sooner than they hadplanned; 31 percent said they did so because of their own illhealth.

In addition, the study finds that workers in poor health aremore likely to plan to work to age 70 or older, or never retire (23percent), compared to those in excellent health (17 percent).

Among the behaviors the study says they should be pursuing tostay healthier longer, only the following percentages of U.S.workers say they actually do so:

• eating healthily (58 percent)

• exercising regularly (56 percent)

• avoiding harmful behaviors (55 percent)

• thinking about long-term health when making lifestyle choices(48 percent)

• practicing mindfulness, such as meditation and relaxationexercises (24 percent)

Then there’s the financial angle.

While 91 percent of U.S. respondents feel either very orsomewhat personally responsible for making sure they havesufficient income in retirement, and 57 percent say they are“habitual savers” who make sure they’re always saving forretirement, just 34 percent feel they’re “on track” to achieveretirement needs.

But health, both before and after retirement, appears to factorheavily into how well workers succeed in retirement preparation andin achieving retirement security.

The report finds that workers in excellent health (78 percent)are more likely to say they are very or somewhat aware of the needto plan financially for retirement, compared with workers in poorhealth (63 percent).

They are also seven times more likely to say they are extremelyor very confident of achieving a comfortable retirement (49 percentcompared with seven percent).

As a result, it appears that workers who are in excellent orgood health are taking more positive steps toward, and have a morepositive outlook about, their future retirement, compared withthose who are only in fair or poor health