Even employees with pensions are apprehensive about the benefits continuing to accrue until they retire.

Many workers with pensions are concerned that benefits will be reduced in the future (45 percent), eliminated altogether (35 percent), or that the company will be unable to pay out some of the benefits they have already earned (23 percent).

Pension worries among employees age 50 and older have declined somewhat over the past year. But younger workers with traditional pensions are growing increasingly anxious about losing their retirement benefits, with 68 percent of workers under 40 fearing retirement benefit cuts.

Over half of workers (55 percent) say their retirement savings has declined significantly over the past 2 years. Older and high income workers have experienced the biggest losses.

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