There's been a call to action by the Financial Planning Association, Women's Policy, Inc., and Aetna concerning the importance of health and benefits needs in retirement. This apparently stems from a new national survey of Americans ages 45 to 75.

Some 20 percent say that they have spent "no time" in the past year actively planning for retirement and more than 30 percent don't even know what to anticipate for health care needs. Moreover, 40 percent say that they have spent less than an hour in the past year even planning for health benefits in retirement.

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