As a result of the economic downturn, seniors and pre-retirees are more concerned than ever before about their ability to last through retirement — especially since they're living longer and therefore spending more time (and money) in retirement.

According to a new report from the Society of Actuaries (SOA), 38 percent of retirees and 49 percent of pre-retirees say they are much more concerned about their financial situation in retirement than they were prior to the economic downturn. Despite their concern, they have still not taken steps to protect their nest egg from further economic and financial turmoil.

The new report, The Impact of the Economy on Retirement Risks, assesses the impact of the recession on retirement planning based on findings from the 2009 Risks and Process of Retirement Survey Report, also from the SOA. The newly released report addresses factors affecting retirement security, including the effects of delayed retirement, equity investments and portfolio management, changes in spending habits, and new approaches to quantifying adequacy of retirement wealth. Respondents were evaluated on their awareness of retirement risk, how their awareness has changed since the recession, and how they have adjusted the management of their finances as a result.