Meanwhile, for a fifth (22 percent) of those who will carry on working, the reason comes down to enjoying the return. A fifth (21 percent) of people said they feel unprepared for retirement,

while 20 percent said they simply enjoy their day-to-day job. Among the millions of older workers set to work beyond their 66th birthday, health and ageing has proved to be a concern for

some. The research found 37 percent are worried that their health will inhibit their ability to work, and a quarter (24 percent) are concerned that they will be treated differently because

their boss or colleagues perceive them a "old". Nearly a third (30 percent) also worry that continuing to work will make their health deteriorate, and 31 percent are concerned that