More information from the Merrill Lynch study of retirement. The other day I pointed out that the study found four different approaches to Health after retirement, and asked which group fits you. Here is some more information about the four groups to help you decide which best fits. I am in the Lucky but Lax group, but after reading the study I am inclined to move to the Healthy and Proactive.
Healthy
and Proactive (29%) 55% female, 45% male
• Actively engage in key health behaviors such as exercising and
eating well (73%)
• Few allow things to get in the way of taking care of their health
(25%)
• 93% say that staying healthy is a source of pride
• Few see themselves as limited by a chronic condition (20%)
• Have proactively researched retirement-related health care costs
and insurance options (49%)
• If married, many have had discussions with their spouse about
retirement health care topics
Lucky but Lax (10%) 41%
female, 59% male
• Only about a third engage in key health behaviors (35%), yet
compared to others their age, fewer currently have a chronic condition
• Rarely seek out information to improve their health (37%)
• Feel some concern about the impact an illness could have on
their financial situation (62%)
• Few research retirement-related health care costs and insurance
options (23%)
• Among those who are married, fewer than a quarter have had
discussions with their spouse about retirement health care topics
Course-Correcting and
Motivated (29%) 53% female, 47% male
• Four out of five say having a chronic condition was a wake-up
call for them to take better care of their health (82%)
• Many now engage in healthier behaviors (55%), actively seek out
information about how to improve their health (80%), and are very interested in
technology that can help them better manage their health
• Are very concerned about the impact illness could have on their
financial situation (68%)
• Many have researched retirement-related health care costs and
insurance (46%)
• If married, about four in ten have discussed retirement health
care topics with their spouse
Challenged and Concerned
(32%) 57% female, 43% male
• Many have chronic conditions, which keep them from doing the
things that they enjoy (48%), and only about two out of five engage in key
health behaviors (42%)
• Many say other life worries and responsibilities get in the way
of taking care of their health (58%)
• Are seriously concerned about the impact illness could have on
their financial situation (72%)
• Only about a third have researched retirement-related health
care costs and insurance options (36%)
• Among those who are married, less than one-third have discussed
retirement health care topics with their spouse
• Feel very overwhelmed (58%) and confused (54%) by retirement
health care cost and insurance information
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