Today we retire for 20 years and last 5 years are pretty horrible for most people. Adding 10 years to retirement and 30 years to life span means maybe 15 years

Today we retire for 20 years and last 5 years are pretty horrible for most people. Adding 10 years to retirement and 30 years to life span means maybe 15 years living with severe physical and mental degradation. So even if we retire at 90, pension funds will become unsustainable.