Page 3 - Senior Times South Central Michigan January 2021 - 28-01
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 During the average lifetime a person will change jobs about every four years, that’s five
to seven career changes. Approximately 10,000 baby boomers will retire each year for the next 20 years, so what steps should you take when you're thinking about switching careers? When should you actually retire? These are tough questions. But here are some answers that can help make your dream a reality.
Here are some steps to help you get started: • Do you want to retire? Is it just your current
Changing careers is scary. You're going to
feel afraid, confused, and you're going to second guess yourself. After all, this is one of the big- gest challenges you might ever undertake. But switching careers can also be rewarding and go a long way in building confidence in yourself. So don't forget along the way to celebrate every little achievement in your personal growth. You can do anything you put your mind to, so stay positive.
job that has you considering retirement? Would switching jobs make you happier? What about switching to a part-time position at your current company? Or did life events cause you to con- sider retirement before you were ready? Be sure to ask yourself these questions.
Decide what you want to do. It may seem simple, but ask yourself, “What do I truly love doing?” Why does it energize you and what skills, abilities, and experiences do you have to make this a successful career switch?
career counselor near you who can tell you the education, training, certification, and skills you will need for your new career. They might even recommend job shadowing. Also, don’t forget to ask your friends and family. They’ve known you forever and could prove to be your best barome- ter. It also helps to have their support.
• Can you afford it? Knowing when to retire is a difficult decision because there are so many fac- tors. The biggest of all is the economic impact. So take some time and meet with a financial planner. You can also get a quick snapshot of what your retirement will look like financially with a retirement calculator.
• Get health insurance. As you know, taking care of your health is important. So make sure you talk to human resources about any post- job health benefits you may be eligible for. Otherwise, start searching for a plan that fits your new life.
• So what are you going to do now? Without work a lot of stress is going to disappear and life is going to seem a lot easier. But don’t get too comfortable. A lot of people who retire worry about having nothing to do. So join a gym, enjoy spending time with friends and fam- ily, take up a new hobby, maybe even consider volunteering or consulting. And, of course, get plenty of sleep. Not only can it help you lower your blood pressure, but it also helps boost your immune system.
• Enjoy it. You’ve worked hard your entire life.
Publisher’s note: Sadly, an unexpected early retirement may have come your way due to the challenges of COVID-19. You may have been given the opportunity to seek out new options to turn your sites toward what your heart desires and re-evaluate what kind of career change, or retirement, may be right for you.
What’s it going to take? Do you need to go back to college and finish up some classes? Do you need to start building relationships and net- working? Do you need to set aside some money for your career change? Chances are your new career change will come with a smaller paycheck. Are you and your family ready to take the eco- nomic hit? A visit to job search sites including Indeed.com or ZipRecruiter.com can give you an excellent picture of what requirements are needed for various career changes you are interested in.
Set goals for yourself, but be prepared for setbacks. Remain flexible. Setbacks are going to happen. Realize it’s going to take time. But make sure whenever you get derailed, you get back on track.
Take your time, but don’t procrastinate. As the saying goes, “Procrastination is the thief of time.” Do your homework and take action. Don’t wait for opportunities to come to you. Once you have a plan in place, stick to it.
According to a 2014 Gallup Poll the average age of retirement in American was 62. Later in 2018, over 40% planned to retire by age 67. Now with changes in Social Security, many mature adults see themselves working to age 70.
Talk to a career counselor and your friends.
While retirement age has risen steadily over the past few decades, so has our life expectancy; we are living longer, healthier lives. This means it's more important than ever to make sure you have a plan in place for your retirement.
With a quick Google search, DuckDuckGo search, or one of many others, you can find a
Got Medicaid and Medicare?
You could get more.
Additional benefits may include: Health Products Card
Personal Emergency Response System
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Call today to enroll or get answers to your questions.
1-877-485-5531, TTY 711
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UHCCP.com/MIdual
Rhonda Stanton
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(269) 501-5616
Senior Times - January 2021 Page 3
SHOULD YOU RETIRE OR JUST SWITCH GEARS?
By: Glin Winsor, Practice Manager, DayOne Family Healthcare
Plans are insured through UnitedHealthcare Insurance Company or one of its affiliated companies, a Medicare Advantage organization with a Medicare contract and a contract with the State Medicaid Program. Enrollment in the plan depends on the plan’s contract renewal with Medicare.
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