Many people assume that they will retire someday, but when that day comes, they are often taken by surprise. Planning for retirement can make this time more enjoyable. What are some of the things to plan for?

The first issue most people think about is money. This is always something to consider. If you retire at 65 and live until 75, will you have enough money? What will happen if you live until 85, or 95, or 105? It is estimated that by the year 2040, there will be more than a million people in the U.S. who are over the age of 100!

Another consideration is health insurance, especially with the changes in Medicare. Check your current health plan and consider supplementary health insurance plans as well. Find an insurance agent you trust, and review several policies before making a selection.

Where do you plan to live when you retire? Some people are very happy moving to new environments, while others prefer staying where they are. When you think about moving, always discuss a plan that addresses what will happen if you're not totally satisfied with the move. How long will you try it out? Will you move on somewhere else or move back where you started?

Your personal health is another consideration. The best way to enjoy retirement is to retire when you still feel healthy and fit, but unfortunately, not everyone has a chance to do this. Often retirement gives people a chance to work on improving their health. Mild changes in diet and exercise can give people an increased opportunity to enjoy retirement.

Be prepared for the possibility of a dramatic shift in your life once you retire. It is not uncommon to have some problems handling retirement at first, especially if you were very involved in your work or if you don't have any hobbies. You may find that you and your spouse have to adjust to spending more time together. Plan to do some honest talking with your spouse to work this out. It is important to remember that some people sail into retirement without a hitch. If you look at retirement as an opportunity, you're more likely to adjust quickly and enjoy it.

For more information on planning for retirement, call your local senior center or the American Association of Retired Persons at (800) 424-3410.

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