I think that all contracts should only go to 65 with a voluntary option to continue beyond 65 subject to the extended testing recommended. Whether employers would agree to extensions beyond 65 is another matter, for years some companies had 55-56 as the retirement age when the limit was still 60. Personally I resented being forced into retirement at age 60 but would have gone quietly at 65. There will always be some who are fit and able to go beyond 65.