American workers are becoming more and more pessimistic about their retirement prospects, according to a new survey by Sun Life Financial, but those who have invested in annuities or hold long-term care insurance are decidedly more confident.

Still, the survey of 1,500 employees last month recorded an 18.2% decline in overall retirement confidence compared to September of 2010. More telling, there was a 31.7% drop in workers’ confidence that they will have both the defined benefit assets and employee health benefits they need to support a comfortable retirement when they’re done working.

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