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In this Wednesday, Oct. 9, 2013, photo, graphic designer Tom Sadowski, 65, who delayed his retirement, works from home in Sterling, Va. Older Americans appear to have accepted the reality of a retirement that comes later in life and no longer represents a complete exit from the workforce. Some 82 percent say it is at least somewhat likely they will work for pay in retirement, a poll by the Associated Press-NORC Center for Public Affairs Research finds. (AP Photo/Manuel Balce Ceneta)
Photo by: Manuel Balce Ceneta
In this Wednesday, Oct. 9, 2013, photo, graphic designer Tom Sadowski, 65, who delayed his retirement, works from home in Sterling, Va. Older Americans appear to have accepted the reality of a retirement that comes later in life and no longer represents a complete exit from the workforce. Some 82 percent say it is at least somewhat likely they will work for pay in retirement, a poll by the Associated Press-NORC Center for Public Affairs Research finds. (AP Photo/Manuel Balce Ceneta)

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