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Americans at 65

A picture of older baby boomers in 2012:

. 45 percent: Are fully retired.

. 37 percent: Retired earlier than planned.

. 36 percent: Retired when and because they wanted to.

. 63 percent: Have started receiving Social Security benefits.

. 26 percent: Said they have no concerns about retirement.

. 58: Average age of those who said they were fully retired.

. 68.5: Average expected retirement age for those who are still working.

. 79: Average age they say they'll feel old.

Source: MetLife Mature Market Institute, 2012 study, "Transitioning into Retirement"