According to Memory Beta the human lifespan is 150 years in the 'normal' universe and 120 years in the Terran empire universe. I know MB is not canon, but most of the novelverse follows this longer lived humans in their plots, and in canon Dr McCoy was still around in 24th century looking like a 90 year old man in a 137 year old body. So does this mean:-
1. Humans work longer and retire when they reach 100 years old
2. Humans genetically manipulated their DNA to live longer and be fairly agile in old age (leftovers from the Augment virus)
3. Humans slow down their ageing process, so an average 80 year old human in the Star Trek universe looks like an average 50 year old human in RL
4. Retirement homes are an even bigger business in the Star Trek universe![]()
Most likely - better healthcare, better nutrition and most folks exercise enough but, not so much as to damaged themselves...etc...