Even one of the greatest financial downfalls in U.S. history hasn't been enough to get people to take retirement planning more seriously, according to a new survey.

The report by the Society of Actuaries (SOA) found that a 2009 survey of pre-retirees and retirees mirrored the results of a similar undertaking in 2007, before the collapse of the financial markets. Namely, that Americans are neglecting their financial planning and are ill-prepared for their retirement years.

The study found, for example, that inflation and health care costs are the top two concerns of pre-retirees and retirees, but neither group is aggressively addressing those concerns through proper financial planning. Twenty-six percent of pre-retirees, for example, do not hve plans to calculate how inflation may impact their income in retirement. Nearly half of the retirees surveyed, 49%, and 67% of pre-retirees expressed concern about having enough money to pay for adequate health care.

The report also found little change in the number of people planning to work as long as possible to afford retirement between 2007 and 2009.

Among the other findings:

"Individuals are clearly concerned about their retirement and the associated risks, but many are still not taking the necessary actions and planning to address these issues," said Anna Rappaport, chair of the SOA retirement survey committee.