LONDON (AP) — A new study by pension provider Royal London suggests some British workers will have to work until they are 81 if they want to build up savings that guarantee their parents’ standard of retirement.

The research released Wednesday comes as the British government embarks on a review of pensions that has prompted speculation it will raise the retirement age to compensate for a burgeoning older population. The retirement age for men and women is already set to rise to 66 between December 2018 and October 2020.

Royal London says changes in workplace pensions mean workers aren’t saving enough to ensure they have the same kind of retirement their parents expected.

The report says “without significantly higher levels of engagement in pensions, we may be witnessing the death of retirement.”