Stop me if you’ve heard this one…Money problems continue to plague American workers.

The latest evidence comes from a new CareerBuilder survey out today, showing that financial restraints are now putting a crimp in many older workers’ retirement plans.

According to the survey, 72 percent of workers over the age of 60 who said they are putting off their retirement are doing so because they can’t afford to retire.  When comparing genders, the survey found that three-quarters (76 percent) of female workers over the age of 60 who said they are putting off retirement are doing so because they can’t afford it, while 68 percent of males said the same.

It’s Not All About the Benjamins…
According to the release, financial reasons are not the only grounds for postponing retirement for workers over the age of 60.

Other reasons cited among those putting off retirement include:

• Either enjoy their job or enjoy where they work and don’t want to leave it (71 percent)
• Plan to stay because they need the health insurance and additional benefits provided (50 percent)
• Fear retirement may just be boring (24 percent)
• Enjoy feeling needed (15 percent)

If you work with or supervise mature workers, be ready in case they decide they want to stay aboard a little bit longer than originally planned. “Twenty-seven percent of hiring managers say they were approached about postponing retirements last year and were open to retaining mature workers,” sais Jason Ferrara, senior career advisor at CareerBuilder.

Employees wanting to postpone retirement could actually be good news for companies that are worried about losing or replacing some their most skilled, experienced and loyal workers during a time when they need them the most.  If you’ve already replaced them, consider whether you can keep them on in another role or department, and see if they’d be open to that.

Help Yourself By Helping Your Employees Plan for Their Future
Whether postponed retirement is an issue at your company or not, right now might be a good time to check in with your employees – who are likely overwhelmed by the effects of the slow economy – and see if you can’t help ease their burdens. After all, if they’re focused on financial strains, they’re not focused on much else (as in, their work duties), and that doesn’t reflect well on you.

Rosemary Haefner, vice president of Human Resources at CareerBuilder, suggests setting up a meeting with your employees and members of your HR department, so employees can learn or be refreshed on what is available to help them save on monthly expenses. (It’s likely that your company offers a lot of benefits employees aren’t even aware of.)  An informal meeting in which employees can ask questions and clear up uncertainties may be extremely helpful for them.