About 60% of U.S. workers who are not saving for retirement say they are extremely concerned about not having enough money for retirement.

Researchers at LIMRA International, Windsor, Conn., present that result in a discussion of results from a survey of 2,000 U.S. employees.

The results suggest that many of the 44 million workers who lack retirement savings are having a hard time paying the bills and keeping up with the cost of medical care, and that 55% lack access to an employer-sponsored retirement savings plan, the LIMRA researchers report.

About 60% of the non-savers work at companies with fewer than 100 employees, and 80% have no college degree, the researchers found.

When asked how much of their income they think they should be saving for retirement, 97% of non-savers said at least 10%, and one-third said at least 20%.