Stopwatch, money Delaying retirement affects not only employees and employers, but retirement policy and financial and health care planning. (Photo: Getty)

More than half of workers who are 60 years old and older are postponing retirement, and 40 percent of workers figure they'll have to keep working at least until age 70.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.