After a lifetime of hard work, you're ready to enjoy your golden years and live life to the fullest -- all without the burden of workplace drama or demanding deadlines. If everything goes according to plan, you'll live out the remainder of your life happy and healthy.

However, a lifetime of experience will likely have taught you that things don't always go according to plan. Even if you're in good health now, your circumstances may change -- and you may find yourself needing long-term care at some point later in life.

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Source Fool.com