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Is Working to Age 70 Really the Answer for Retirement Income Adequacy? (PDF)
Employee Benefit Research Institute [EBRI] 
Aug. 30, 2012
"It would be comforting from a public policy standpoint to assume that merely working to age 70 would be a panacea to the significant challenges of assuring retirement income adequacy, but this may be a particularly risky strategy, especially for the vulnerable group of low-income workers." [Article starts at page 10 of linked PDF.]
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