In this Wednesday, Oct. 9, 2013, photo, graphic designer Tom Sadowski, 65, who delayed his retirement, works from home in Sterling, Va. Older Americans appear to have accepted the reality of a retirement that comes later in life and no longer represents a complete exit from the workforce. Some 82 percent say it is at least somewhat likely they will work for pay in retirement, a poll by the Associated Press-NORC Center for Public Affairs Research finds. (AP Photo/Manuel Balce Ceneta)