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The F&G survey shows that the retirement concept of people over 50 is changing to semi-retirement and delayed retirement. The main reasons are concerns about insufficient funding, the cost of long-term medical care, and the uncertainty of Social Security benefits.
retire Does this mean you will never work again? The latest survey from annuity and life insurance company F&G shows that 51% of respondents who have not yet retired are planning “semi-retirement”, and 75% have considered or are currently delaying retirement. For some people, retirement means gradually reducing work and starting a new phase in life; For others, delaying retirement is related to worries about not having enough money.
F&G’s 2026 “Retirement Reconsidered” survey was conducted by Censuswide, a survey agency, among 2,001 adults ages 50 and older who are responsible or jointly responsible for household finances and have at least $100,000 in investable assets. The survey results reflect the views of this group of respondents, not the retirement situation of all people over the age of 50.
The survey found that 31% of respondents considered themselves in semi-retirement or planned to adopt this approach. Among those who have not yet retired, 60% see retirement as a process that is completed gradually over time, while only 21% associate retirement with stopping work completely; 65% believe retirement is an opportunity to reinvent yourself.
Connor Murphy, CEO and president of F&G, said people are rethinking not only when to retire, but also what kind of life they want to live after retirement. Some people choose to work less, make gradual changes, or try a different direction in a new phase of life; Others’ original arrangements have changed due to financial realities.
Fund adequacy remains an important factor in retirement decisions. Among those who have not yet retired, 51% expect their actual retirement date to be later than originally planned, up from 45% last year; The proportion considering or delaying retirement also increased to 75% from 70% last year.
Among those who are considering or delaying retirement, 52% are worried about an inadequate pension, up from 48% last year. As for the factors that influence the retirement planning of respondents over 50 years old, 46% of them may receive social security benefits, followed by medical and long-term care expenses, which accounts for 43%; And whether they can get Medicare (commonly known as red and blue cards) is 31%. These figures reflect respondents’ concerns, not that the benefits in question will stop.
The impact of economic and other external events on retirement systems has also increased. 57% of respondents said various events in 2026 have affected retirement planning, up from 49% last year; Among those who have not yet retired, the rate increased from 61% to 70%.
Generation X (Gen X, born between 1965 and 1980) is particularly affected. 68% of general
Even though retirement options have become more flexible, most respondents still want income that is stable and easy to manage. 75% of respondents said that even if they earn less from investments, they still expect stable income that can be controlled in advance after retirement. 67% believe it is necessary to invest or increase investments in products that can provide guaranteed income in the future, and 73% of Gen Xers believe it is essential.
However, only 11% of General
Summary FAQ
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Among those who have not yet retired, 51% expect their actual retirement time to be later than originally planned, and the proportion considering or delaying retirement has increased to 75%, indicating that delaying retirement has become a common phenomenon.
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Semi-retirement refers to a gradual reduction in workload rather than complete shutdown. In the survey, 31% of respondents considered themselves semi-retired or were planning to do so, indicating that many view retirement as a stage of life transition and reorientation.
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The biggest concern is inadequate pensions, followed by whether Social Security benefits are available, medical and long-term care costs, and whether Medicare is available. Additionally, 57% of respondents also said that external economic events have impacted retirement planning.
