Part of the issue with raising retirement age, though, is that you can only go so far before the majority of people are unfit to work. Things like osteoarthritis have a much larger effect on your ability to work than they do on your life expectancy. Plus, the burden of continuing to work disproportionately falls on poor people whose work is more physical—well-educated people with desk jobs usually earn more money, have somewhat better savings, and can thus afford to retire a few years before their government pension kicks in.