Over the last 20 years, the percentages of households that will not be ready for retirement at age 65 has nearly doubled to 50 percent, according to recent data from the National Retirement Risk Index (NRRI).

As fears of sustaining income throughout retirement arise, it has become clear that workers don’t always know how to prevent a possible shortage of money.

However, Prudential outlines a recent study from the Center for Retirement Research (CRR) at Boston College that backs up one of the more intuitive solutions considered by today’s workers: simply working longer.

If workers add five more years of work, the number of prepared retirees shifts dramatically, as the CRR’s report estimates that 86 percent of workers would then be ready for retirement.

“While many Americans' despair of ever being able to retire, the reality is that with a few extra years of work and a delay in taking Social Security, they can increase their chances of being able to have a more financially secure retirement,” said James McInnes, COO, total retirement solutions, Prudential Retirement.

To help customers with planning for this, a couple of insurers are attempting to get this information, as well as other tips, in front of customers, including Prudential, who released a white paper outlining retirement planning practices in tandem with the CRR’s findings.

Allianz Life also launched a new website dedicated to educating customers on retirement planning. The website offers a quiz for prospective retirees as well as a new framework intended to make retirement planning easier—the four Cs, which are clarity, comfort, cost of living and certainty.

A person may spend 30 years accumulating assets but then may not know how to convert those assets during the transition period into a stream of long-term guaranteed income,” said Gary Bhojwani, chairman of Allianz Life. “The interactive website is a great tool for beginning the process of thinking through key issues during the transition period to build a realistic, achievable retirement income plan.”