For employers, retirement provides an orderly transition of the workforce as older workers with declining productivity and increasing health care costs are steadily succeeded by younger, healthier workers. But as the economy continues to struggle, that traditional order is being upset. And as a result, employers may want to revisit their retirement benefit strategy and adjust their employee benefit plans. In addition, agents and brokers that provide retirement benefits services may want to prepare a few new solutions as their clients rethink how they want to smooth the retirement transition for their employees. Since federal law prohibits age discrimination, employers may target older workers in their strategy, but the benefits must be offered to all age groups. Phased retirement might also be an option for some employees who begin collecting on retirement benefits early while continuing to work part time. Agents and brokers may also want to revisit with their clients the retirement planning value of other benefits.