12. Alabama

Total score: 48.74

Affordability: 1 | Quality of life: 47 | Health care: 49
(Photo: Shutterstock)

11. Maryland

Total score: 48.41

Affordability: 43 | Quality of life: 29 | Health care: 20
(Photo: Shutterstock)

10. Louisiana

Total score: 48.29

Affordability: 10 | Quality of life: 44 | Health care: 43
(Photo: Shutterstock)

9. New York

Total score: 47.57

Affordability: 50 | Quality of life: 9 | Health care: 14
(Photo: Shutterstock)

8. Mississippi

Total score: 47.25

Affordability: 5 | Quality of life: 49 | Health care: 47
(Photo: Shutterstock)

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7. Arkansas

Total score: 47.21

Affordability: 9 | Quality of life: 50 | Health care: 45
(Photo: Shutterstock)

6. Tennessee

Total score: 45.83

Affordability: 14 | Quality of life: 48 | Health care: 46
(Photo: Shutterstock)

5. West Virginia

Total score: 45.38

Affordability: 19 | Quality of life: 40 | Health care: 50
(Photo: Shutterstock)

4. New Jersey

Total score: 45.06

Affordability: 48 | Quality of life: 31 | Health care: 23
(Photo: Shutterstock)

3. Rhode Island

Total score: 43.49

Affordability: 47 | Quality of life: 38 | Health care: 25
(Photo: Shutterstock)

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2. New Mexico

Total score: 43.33

Affordability: 37 | Quality of life: 45 | Health care: 38
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1. Kentucky

Total score: 41.89

Affordability: 32 | Quality of life: 46 | Health care: 48
(Photo: Shutterstock)

(Related: 12 Best States for Retirement: 2020)

Twenty-six percent of non-retired American adults can’t leave the workforce when they want because they haven’t saved any money for retirement, possibly through no fault of their own, the personal finance website WalletHub reported Monday, citing a report from the U.S. Federal Reserve.

For Americans worried about retirement, the state in which they reside may add to their concern.

Even in the most affordable areas of the country, most retirees can’t rely on Social Security or pension checks alone to cover all of their living expenses. Social Security benefits increase with local inflation, but they replace only about 39% of the average worker’s earnings, according to research by the Center on Budget and Policy Priorities.

WalletHub compared the 50 states to determine the best and worst ones for retirement. Researchers evaluated the three key dimensions of affordability, quality of life and health care, using 47 metrics and grading each one on a 100-point scale with 100 being the most favorable conditions for retirement.

Check out the gallery for the states WalletHub ranked as the worst ones for retirement in 2020.

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