When is someone too old to work and too old to hire? Employers and workers don’t agree, and that’s a problem. With so many people living well into their late 80s, 90s, even 100, many older workers need a job past 65, not just to stay engaged and healthy, but to save more for retirement. “It’s important to raise awareness that these disconnects exist,” says Catherine Collinson, ceo and president of Transamerica Center for Retirement Studies, and author of the center’s latest annual retirement survey report, which delves into these issues.