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Biggest Fears of Retirement – “Staying Healthy and Affording Health Care”

As a retiree, you expect to spend a large sum of money on health care. Still, many don’t plan appropriately for it. Without a job affording the health care you need could seem near impossible. If you take good care of your health now, you’ll be able to have a quality life and there will be a financial advantage. Your yearly expense will be far less if you are healthy.

Health Decline

Declining health is something we all will have to face in life sooner or later. Although genetics plays a part in health during old age, one important thing that affects your health is how you’ve lived throughout your younger years. If you smoked, the consequences in later life have a chance of being lung cancer, COPD (chronic obstructive pulmonary disease), heart disease or even vision loss. Poor diet is an additional cause of poor health in the elderly. Overeating can cause diabetes, heart problems, and many other illnesses. Many cannot afford to eat properly, still, even if it is within their means, some disregard the importance of keeping a proper diet. This makes them far more susceptible to disease. There are many things you can do to take care of your health while you grow older. Eat smart, the digestive system slows down with age, so eating foods high in fiber would be a good thing to do. Seniors can more easily become dehydrated. Make sure to drink plenty of water to keep your energy up. Always get enough sleep. This can be difficult with restlessness and waking throughout the night which is common among seniors. What can help? Dimming the lights in the evening will encourage drowsiness and keep your bedroom cool, quiet and comfortable. This can help provide you with an atmosphere whereby you can sleep more peacefully.

Affording Health Care

No matter how much you prepare, it’s hard to foresee certain expenses leading up to retirement. Being able to afford good healthcare is a thought that brings worry to those on the brink of retirement. The fear of losing health insurance can keep you from leaving your job or make you want to put off your retirement. There aren’t a lot of Americans who are mindful of the huge burden upcoming health care costs present. Having emergency funds that can take care of expenses for at least half a year would be extremely helpful. This should help cover the cost of some unexpected events that can occur. Do your best to maintain good health, look into a good quality health insurance plan, and think of medical costs while you prepare for retirement, this will help you ultimately. Maybe even moving to a place with good healthcare options would be of interest to you.

*Disclaimer: The information provided is not intended to replace professional medical advice or to diagnose or treat.