It used to be that you could expect to put in a few decades of work and then enjoy a few more good years of rest. But more and more often, retirement-age people feel they’ve been left behind.

Business Insider’s Juliana Kaplan spoke with several people who should be able to retire — but can’t.

The problem is multifaceted. Pensions are disappearing. Social Security benefits are in peril. People are living longer than ever. As BI previously reported, fewer than half of all boomers have saved enough for retirement.

Mounting student-loan debt doesn’t help, either. According to one researcher and associate professor of economics, this is the first generation of Americans that has taken on substantial student-loan debt for their children.

All of that combines to form a growing, and increasingly bleak, American retirement crisis. It has left at least one woman Juliana spoke to, who’s in her 70s, worried she’s “going to die” in the HR job she’s still working.