More U.S. workers say they think they will have to postpone retirement.

Researchers at the Transamerica Center for Retirement Studies, Los Angeles, have reported that finding in a summary of results from a recent online survey of 4,080 U.S. workers ages 18 and older working at for-profit employers with 10 or more employees.

Finesse Financial Inc., El Segundo, Calif., reported Monday that the percentage of workers calling its financial helpline who say they feel overwhelmed by their current financial problems is lower than it was in 2009 and in 2010.

The Transamerica Center researchers now say workers’ fears about long-term financial well-being continue to grow.

The percentage of workers who said they are “somewhat confident” or “very confident” about being able to live comfortably in retirement has fallen to 51% this year, down from 53% in 2008-2009, and down from 59% in 2007.

The percentage who said they are building a large enough nest egg fell to 38% this year, from 40% in 2008-2009 and 45% in 2007.

When workers were asked about any changes in their expected retirement age in the last 12 months, 40% said they believe they will end up working longer, up from 29% in 2008-2009, and 39% said they expect to work past age 70 or never retire at all.

Only 56% of the workers said they have some kind retirement strategy in mind, and only about 15% to 25% of those workers said they have thought about matters such as long term care insurance, estate planning or dealing with events that force them to retire earlier than they had expected.

Catherine Collinson, president of the Transamerica Center , says in a statement about the survey results that planning to work past age 65 may make sense for some.

“However, it’s important that workers be proactive in setting a retirement savings goal, saving and investing for retirement, and having a backup plan if they are forced to retire sooner than expected,” Collinson says.

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