Thats to cover the possibility that your income may be disrupted due to unexpected job losses from layoffs or disability. However, retirees no longer need to worry about these events. Instead, Karen and Bob will want to focus on building an emergency fund that can cover unforeseen medical expenses and other emergencies, such as expensive car or home repairs. The right amount is somewhat subjective, but the basic idea is to have enough ready savings on hand so that they wont need to sell long-term investments to pay for the emergency. no dataSuggestions for an adequate amount range from $10,000 to $20,000 or more, depending on their specific circumstances regarding their house, car and medical insurance. For instance, if they purchase medical insurance to supplement Medicare when they reach age 65, theyve reduced their exposure to substantial out-of-pocket medical expenses and might be able to finance deductibles and co-payments from their monthly cash flow (see below). Theyll want to keep their emergency fund in accounts they can quickly access and that arent subject to investment fluctuations, such as bank savings accounts and money market funds. Buy medical insurance to supplement Medicare Karen and Bob will be eligible for Medicare when they reach age 65. When they do, theyll want to purchase supplemental insurance to cover Medicares substantial deductibles and co-payments, and to provide coverage for prescription drugs. If they dont buy this supplemental coverage, they run the risk of incurring thousands of dollars of out-of-pocket medical expenses that might require them to withdraw money from savings that are invested for the long term to generate retirement income. Insurance is a useful tool to turn a potentially unexpected, large expense into a predictable expense through monthly premiums. Karen and Bob have two possible methods to supplement Medicare : They can buy whats known as Medigap insurance, plus a separate Part D policy to cover prescription drugs. The advantage of this solution is that it gives them maximum flexibility to choose medical providers.
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