Imagine working until you’re 70. For many, that might sound like an impossible stretch — yet that’s exactly what Denmark has decided to implement for future generations. By 2040, the official retirement age in Denmark will rise to 70, making it the highest in Europe and among the highest worldwide.
For those of us over 50 in the U.S., this news isn’t just a European headline — it’s a glimpse into a conversation already happening here at home. As Americans grapple with inflation, healthcare costs, and the realities of aging, the debate over extending the retirement age has resurfaced. And Denmark’s bold move has added fuel to the fire.
Why Did Denmark Do This?
Danish lawmakers say the reform is about sustainability. Like much of the world, Denmark is experiencing longer life expectancies — people are living well into their 80s, and pension systems are under pressure. The country has tied its retirement age to life expectancy for nearly two decades, adjusting it every five years.
The latest policy takes this further: by 2030, the retirement age rises to 68, then to 69 by 2035, and finally hits 70 by 2040 for anyone born after 1970. Supporters argue it’s a necessary step to keep the pension system afloat for future generations.
But Not Everyone’s on Board
Predictably, this has sparked public backlash, especially from those in physically demanding jobs. Trade unions, opposition parties, and everyday Danes are voicing concerns about fairness. After all, not every worker reaches their 60s with the same health, energy, or options. Working after 65 may be possible for some people, but others might face retirement challenges after 60.
It’s a conversation that resonates here in the U.S. as well — particularly for older Americans still in the workforce.
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Could America Follow Suit?
Here in the United States, the full retirement age for Social Security is already increasing. For anyone born after 1960, it’s now 67. Some policymakers want to push that even higher — proposals to gradually raise it to 69 or even 70 have circulated in Washington in recent years.
The reasoning? Much like Denmark, U.S. officials point to increased life expectancy and the looming financial shortfall in Social Security. Without changes, Social Security’s trust funds could run dry by 2035, triggering a potential 17% cut in benefits for retirees.
But here’s where it gets complicated — and deeply personal for millions of older Americans.
What Do Americans Over 50 Think?
The overwhelming answer? They’re not buying it.
Recent polls show most Americans, especially those nearing retirement, oppose raising the Social Security retirement age. A 2023 Data For Progress survey found that only 8% of voters support raising the age beyond 67.
And it’s easy to see why. Many older adults already face health challenges, age discrimination in the job market, and physically demanding work that becomes harder with each passing year. Telling a warehouse worker, nurse, or home health aide to “just work a few extra years” overlooks the real, human cost.
Experts warn that raising the retirement age disproportionately affects lower-income workers, who often have shorter life expectancies and fewer retirement savings. It’s a policy that risks widening the gap between those who can comfortably work into their 70s — and those who simply can’t.
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The Bottom Line for U.S. Seniors
Denmark’s decision is a reminder of the balancing act countries face as populations age. While some may welcome the chance to work longer — especially with better health and remote work options — millions need the choice to retire on their own terms, not under financial pressure.
Here in the U.S., raising the retirement age may seem like a simple budget fix, but for those of us navigating our golden years, it’s far more complicated.
Our takeaway? Stay informed, speak up, and remember — retirement policy isn’t just about numbers. It’s about real people, their health, and the dignity they deserve after decades of hard work.
Your Voice Matters: How do you feel about the idea of raising the retirement age? Should the U.S. follow Denmark’s lead, or should we protect the right to retire earlier? Share your thoughts with us in the comments below.