Chartered Retirement Planning Counselor (CRPC) Practice Exam 2026 - Free CRPC Practice Questions and Study Guide

The rationale behind expecting more people to work after the age of 65 primarily centers on extended life expectancy. As medical advancements and improved living conditions continue to enhance longevity, individuals are living longer, healthier lives. This increase in life expectancy often leads to a desire and necessity for continued financial stability, resulting in many older adults choosing to remain in the workforce longer.

With longer life spans, retirement may span several decades, leading individuals to seek employment to bolster their savings and ensure a comfortable lifestyle throughout their later years. This choice is often influenced by the need to cover ongoing living expenses, healthcare costs, and the desire to maintain an active and productive lifestyle.

While other factors such as lower retirement benefits may also play a role in influencing decisions about working past retirement age, the fundamental reason tied to demographics and health—extended life expectancy—holds significant weight in this trend.