More Americans are opting to work well into retirement, a growing trend that threatens to upend the old workforce model.

One in three Americans who are at least 40 have or plan to have a job in retirement to prepare for a longer life, according to a survey conducted by Harris Poll for TD Ameritrade. Even more surprising is that more than half of "unretirees" -- those who plan to work in retirement or went back to work after retiring -- said they would be employed in their later years even if they had enough money to settle down, the survey showed.

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