"The difference is between what you know you want to do and what factors outside your control ultimately require you to do," says Dallas Salisbury, president of EBRI. "I will tell you I want to continue working on the assumption that I can keep my job or get a new job, and then my job goes away because the plant closes down or something like that. Or I am very healthy when you ask me that question, and then I suddenly get pushed down a flight of stairs and end up disabled and out of work and on permanent disability for the balance of my life. You end up leaving long before you anticipated."
Of course, there are also some fortunate retirees who are able to retire early because they can afford it (26 percent) or want to do something else (19 percent), perhaps due to an inheritance, unexpected windfall or diligent saving.
An unplanned retirement generally means you need to regroup and make the best of the resources you have. "When you're forced into it, the key thing is to be mentally flexible," says Michael Chadwick, a certified financial planner and CEO of Chadwick Financial Advisors in Unionville, Connecticut. "The trajectory you were on when all was well isn't likely to be the same trajectory you're going to achieve with these new circumstances." You'll need to look at your severance package and ability to collect unemployment if you are laid off. And if you're under 65 and can't sign up for Medicare, you'll need to make important decisions about your health insurance.
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