More than a third of workers will work past the age of 65 Some believe that an older workforce will create problems, particularly for younger employees. Nearly a third feel that having people remain in work past the age of 65 will make it harder for younger people to move up the career ladder, especially in light of the current unemployment figures. The older generations - potentially as they intend to keep working - are most likely to feel this way, with 43pc of those aged 51-60 forecasting a "job-blocking" effect. Others expect that having older workers will change the working dynamic, with a fifth forecasting changes because older people may have more health issues. As a result, 27pc of workers think that employers will be forced to hand out incentives in order to encourage people to retire, with 31pc of 51-60 year olds believing this will be the case. Paul Avis, sales and marketing director at Canada Life Group Insurance, said: "For older workers, health care provision and group protection products such as critical illness cover will become an increasingly attractive part of their employment package. If a substantial rise in the number of older workers should occur within the workplace, employers will find it hard to avoid providing these types of products, but may find it more expensive. We would advise all employers to take into account the impact of the change to the average retirement age and review their benefit packages accordingly. By speaking to an adviser to ensure they are getting the most for their money, they won't be faced with an unexpected bill!