According to a 2013 survey by the Employee Benefit Research Institute,researchers say that the current generation reaching retirement was told that retirement would be wildly rewarding. They believed they would only have to work until age 65, retire happy and live in financial comfort. However, the reality of shortfalls in financial planning has them thinking otherwise. Researchers said that 65 percent of people nearing retirement age plan to work past the age of 65 or just not retire. More than 50 percent said they would definitely continue working after they retire.