We are living longer as a result of lifestyle and medical advancement. I may not like the idea but if my life expectancy has inceased by 10 years, it isn't unreasonable to either contribute more towards one's own retirement at 65 or earlier, or be prepared to work longer. My grandparents in the 1960s acted, looked and therefore were old. As a 60 year old, I'm fit enough and sufficiently agile mentally to contribute and work. I just wish the rewards were higher but hey ho!