In recent years new retirees overwhelmingly have come from the baby boom generation and the changes they are making in the nature of retirement will be the norm for years to come as they remain the dominant cadre of new retirees, says a report from the TransAmerica Center for Retirement Studies.

That generation, born in 1946 through 1964, is “redefining retirement by planning to work until an older age than previous generations. Sixty-six percent plan to or already are working past age 65 or do not plan to retire at all–and many expect to continue working in retirement, at least on a part-time basis,” the report says. “Most of those who plan to continue working say it’s due to income or health benefits.”

However, it says that a plan to continue working longer is only achievable if you stay employable–that means continuing to perform at a high level and keeping skills up to date, keeping up to date on the job market for your skills and interests, and continuing to network–and if no issues arise, such as health problems, that would require leaving the workforce.

“Create a Plan B if retirement happens unexpectedly due to job loss, health issues, or other intervening circumstances. Only 25 percent of Baby Boomer workers have a backup plan for retirement income if forced into retirement sooner than expected,” it says.

One disadvantage they face is that unlike the generations following them, tax-favored retirement savings vehicles such as the TSP and IRAs were not available to them from the start of their careers, it added.