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  3. A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent i

A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent i

admin2016-01-29  30
问题     A new report shows that while workers have steadily increased the age at which they expect to retire beyond 65—from 11 percent in 1991 to 36 percent when the survey was taken—the median retirement age has, in fact, been stuck at 62 since 1991.
    That’s one of the reality checks in the 25 th annual Retirement Confidence Survey by the nonprofit Employee Benefit Research Institute(EBRI). The report, which surveyed both workers and retirees, aged 25 and up: The percentage of workers in retirement plans feeling "very confident" about retiring comfortably doubled from 2013 to 2015, to 28 percent. But just 12 percent of workers without retirement plans are "very confident" about retiring comfortably.
    Those very confident workers with retirement plans aren’t more optimistic without reason. The big jump in confidence shocked EBRI’s director of research, Jack VanDerhei. He looked at the change in account balances in his database of 401(k)plans, which covers 27 million participants. In just the year ending Jan. 1, 2015, gains ranged from a low of 19 percent to a high of 47. 9 percent.
    But whether they’re in a retirement plan or not, many of those surveyed don’t seem to be making big increases to their retirement savings, VanDerhei said. On top of the market gains, workers in 401(k)retirement plans might benefit from having their contributions automatically increased each year. And while 69 percent of workers said they could save $ 25 more a week than they are now, they went on to contradict themselves, as 50 percent also said that the pressure of daily costs means they can’t afford to save additional money.
    One of the most glaring areas in which expectations and reality diverged is in the percentage of income that workers think they’ll need to replace in retirement: 56 percent think they should be able to live on no more than 70 percent of pre-retirement income.
    "I suspect most people are ignoring medical expenses," VanDerhei says. "They magically think Medicare will take care of everything, and very few factor in long-term care expenses. " Once they take the latter into account, he says, that 70 percent estimate blows up, unless they’re lucky enough to have a good long-term care policy. If they’re luckier still and don’t need long-term care, they can probably get away with 100 percent of pre-retirement income. Yet just 10 percent of workers estimated that they’d need more than 95 percent of pre-retirement income in retirement.
    There was some good news in those numbers, too. Thirty-one percent of retirees said they had left the workforce earlier because they could afford it, and 17 percent said a desire to do something else played into retiring earlier than planned. Still, it’s a risky proposition. "If you have a choice, take control of what you can control, and don’t defer the pain until later, when you have zero control over whether you’ll continue to work or not," VanDerhei says.
Which of the following is true about workers’ retirement age?
选项 A、Workers retire at the age of 62 on average despite their unwillingness.
B、The majority of the workers want to retire at the age of 65.
C、More and more citizens want to retire at an older age.
D、Retirement age has been extended since 1991.
答案A
解析 细节题。根据题干定位到第一段。根据第一段最后一部分the median retirement agehas，in fact，been stuck at 62 since 1991“从1991年起平均退休年龄为62岁”可知[A]选项符合题意，正确。[B]选项表述错误，文中说“大多数的工人想要在65岁以后退休”，而不是“在65岁时退休”，所以[B]选项可排除。[C]选项中citizens范围与原文的workers不符，可排除。原文只提到从1991年起退休的平均年龄，并没有说退休年龄是否有增长，所以[D]选项错误，可排除。
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