If you're putting off retirement because you can't afford it or you need the health insurance, you're in the majority. But overall, the retirement planning picture for older workers seems to be improving.
A poll of workers 60 and older on behalf of employment website CareerBuilder.com reveals that 58 percent currently are delaying retirement -- down from 66 percent in 2010, the year after the Great Recession ended.
The biggest reasons for delaying retirement won't surprise you: 79 percent say they can't afford it and 61 percent can't quit because they need health insurance benefits.
But more positive factors also keep older workers on the job. Some 49 percent say they keep working because they enjoy it, and 46 percent say they like where they work. Twenty-seven percent fear they'll be bored if they quit.
The number of workers who plan to look for other employment after they retire from their full-time jobs has dropped 15 percentage points in the last year, down to 45 percent from 60 percent.
Michael Erwin, senior career adviser at CareerBuilder, says, "We think that workers are definitely encouraged by a couple of factors -- how their money is doing in the stock market and the availability of health insurance after they retire. The Affordable Care Act is putting minds at ease."
Erwin points out that the employment picture also is improving for those who include employment in their retirement planning. Fifty-three percent of employers plan to hire workers age 50 and older in 2014 -- up from 48 percent last year. A third of employers say they have received applications from workers 50 and older for jobs they consider entry level, and 77 percent say they'd consider hiring these over-qualified mature workers.