In fact, 61% of American workers are “at risk’ of not being able to maintain their current standard of living after they retire, noted research from the Center for Retirement Research of Boston. The cause of the dip in living standards was the cost of health care. Even if employees remain working until 65, fully 44% will not be able to maintain their desired standard of living. American retirees are considered to be at-risk if their combined savings along with Social Security and pension benefits tumble at least 10% short of the income needed to sustain the same standard of living they earned during their working years. The risk was greatest for generation Xers born between 1965 and 1974 with 48% in danger of not keeping up with standards of living post retirement, according to the report