U.S. employers and workers face game-changing challenges with the transition of the Baby Boom generation from the workplace into their retirement years. Given the modest retirement savings accumulated by older workers, they will need to work beyond age 65, determine how to live on less income in retirement, or some combination. They will also need to make smart choices for deploying the modest retirement resources that they have.

Proactive employers can redesign their retirement and benefit programs and human resource policies to meet the compelling needs of their older workers, while at the same time enhancing the productivity of an aging workforce. This article in the 2019 third quarter issue of Benefits Quarterly explores these trends and ideas in detail, from the perspectives of both older workers and their employers.

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