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Workers Avoid Planning for Retirement, Survey Finds
By Anna Flavia Rocha e Silva
(AXcess News) Washington - Nearly one-third of Americans would
rather clean their bathrooms or pay bills than plan for
retirement.
It is not that they are having fun. But working adults find the
health care and retirement systems to be "very, very confusing,"
said Joyce Dubow, an associate director in AARP's Public Policy
Institute, a non-profit membership organization of people over
50.
A national survey found that three-fourths of Americans are not
confused about retirement health care plans. But 63 percent said
"people they know" are very or somewhat confused.
The report, "Plan for Your Health Planning for a Healthy
Retirement," was sponsored by AARP, Aetna and the Financial
Planning Association. Ipsos Public Affairs last month interviewed
1,016 adults ages 45 to 75 who have health insurance to investigate
issues related to health care and retirement planning. Some in the
sample group were retired. The survey's margin of error is plus or
minus 3 percentage points.
"Having literacy is essential if people are going to navigate in
the health care system," Dubow said.
In a briefing to present the survey this week, specialists in
health care and retirement planning said that education makes the
difference for a safe retirement.
But the survey found that nearly half of those interviewed have
not started or have planned minimally for retirement. And 18
percent of the workers interviewed have done no planning.
The lack of planning is related to education, as many people
don't think about starting to save money at an early age.
"Start early. And even if you can't save a lot, save a little.
It is better than nothing at all," said Tracey A.
Baker, a
certified financial planner who chairs of the National Capital
Chapter of the Financial Planning Association.
Baker said that people should start planning as soon as they get
their first job. "Early planning is the key for successful
planning," she said.
The biggest concern among workers is if they are going to have
enough money to live comfortably, according to 42 percent of the
workers interviewed in the survey.
Baker said there is no way to define the amount of money people
will need to retire. "It depends on what retirement means for you,"
she said.
She said that workers should be realistic about their savings
and should expect their plans to change, as they may travel more
and spend more money on unexpected health care expenses.
"Don't give up your health insurance," Baker
said.
Financial planning and retirement health planning go together,
said Dr. Dexanne B. Clohan, an Aetna medical director.
Clohan said people can make some health changes now that will
lower expenses when they retire such as keeping cholesterol and
blood pressures at healthy levels.
"For example, if you are smoking now and you could give up
smoking, you could reduce the likelihood of serious problems when
you retire," she said. "Plus, you will save all the money that you
are spending on cigarettes."
Anything could make a difference for those who cannot save a
lot.
Vickie Elisa is the president of Mother's Voices, a nonprofit
organization in Georgia that works to improve the health and social
status of low-income women and their families.
Elisa said her group encourages women who have limited resources
to save their pocket change and try to identify how much money they
earn and how much they will need to pay their bills.
She said that, although their savings may not be enough for
retirement, the women are learning the concepts and the importance
of savings.
"I think that women are better savers. Women tend to be much
more devoted to a plan," Baker said.
But women may find it a greater challenge than men to save for
retirement, said Cindy Hall, president of Women's Policy Inc.
She said that women live longer, earn less money than men and
sometimes stop working for a while to take care of their children.
She said that some women don't have pensions and can count only on
Social Security.
"With the uncertainties regarding Social Security, everybody
needs to save something," she said.
Source: Scripps Howard Foundation
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