10 Forces Conspiring Against Your Savings
A study last year by Fidelity Investments estimated that a 65-year-old couple retiring that year could expect to need more than $230,000 to pay for medical expenses, not including nursing-home care.
Those costs could be even higher in the future if budget woes lead Congress to increase out-of-pocket expenses for Medicare recipients. 
Longevity
Americans are living longer than ever, but that benefit of modern medicine has costs that go beyond doctor bills.
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In a recent analysis of government data, the University of Washington's Institute for Health Metrics and Evaluation found that the average life span for men (in 2009) was 76.2 years (up 4.6 years since 1989). Women lived, on average, to 81.3 years, a 2.7 year increase since 1989.
But living longer means that making your money last is even more of a challenge. Its a change that, according to the BlackRock survey, may still be sinking in.
Even though 70% of plan sponsors think their plan has been helpful in warning employees if they are not saving enough money to last through retirement, just 41% of employees share this view. Sponsor and worker views of plan helpfulness also diverged on such matters as educating employees on the realities of longevity in retirement (78% vs. 52%), and helping employees "get through retirement, not simply reach it" (71% vs. 50%).
-- Written by Joe Mont in Boston.
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