Will health issues force your clients to retire earlier or spend their nest eggs quicker than they planned?Four in 10 Americans retire sooner than they expected. Of those, 40 percent do so because of health issues or disability, according to the Employee Benefits Research Institute.

According to Fidelity Investments, a couple, both age 65, retiring today will spend approximately $200,000 on health care during their retirement years — and that doesn’t include any assisted living or nursing care.

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