NEW YORK (CNNMoney) -- Concerns about job security and piles of debt have left American workers more pessimistic about retirement than ever.

Only 14% of workers feel "very confident" they will have enough money to live comfortably in retirement, while 38% of workers say they are "somewhat confident" and 23% say they are "not at all confident," according to a survey by the Employee Benefit Research Institute. The results have remained relatively unchanged since hitting an all-time low in 2009.

Many respondents said that saving for retirement has taken a backseat to more immediate financial concerns. About 42% of survey respondents said a lack of job security is the biggest issue they are facing, with only 28% of workers saying they feel very confident they will have a paying job for as long as they need it. Meanwhile, a whopping 62% -- nearly two-thirds -- of workers said their debt is a problem.

As a result, many workers barely have any savings, with about 60% of workers reporting total savings and investments of under $25,000 (excluding the value of their home and benefit plans). About 30% of these respondents said they have less than $1,000 in savings.

In addition, far fewer people are saving for retirement. The percentage of workers who said they were putting money away for retirement fell to 66% in 2012 from 75% in 2009. People earning less than $35,000 account for the majority of that decline -- most likely because they have either lost their jobs or are worried they may be out of work in the future, the report found.

"A lot of the people who have either lost their jobs or are worried about losing their jobs are trying to put a little money away for a rainy day and just don't have money to put into savings right now," said Jack VanDerhei, EBRI research director and co-author of the report.

Out of those who have started planning and saving, 67% say they are behind schedule. This is unchanged from 2011, but 12 percentage points higher than the 55% of workers who were behind schedule in 2005.

Medical costs are also a major concern, with only 13% of respondents reporting that they are very confident they will be able to afford medical expenses when they retire. Only 26% of workers are very confident that they will even have the money to pay for basic expenses.

While workers' lack of saving and confidence in their ability to retire comfortably is troubling, VanDerhei said it's good that people are becoming more realistic about their financial situations. In 2009, following the economic downturn, many workers clung to over inflated expectations about their retirement future.

However, instead of putting more money into savings, more people are opting to delay retirement, with 37% of respondents expecting to retire after age 65. That's up from only 11% in 1991.

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Workers still pessimistic about retirement