If you are a senior over 65, preparing to retire, there are a few things you can do to secure a successful, safe, and healthy retirement.
Your retirement is a milestone worth celebrating. As you say goodbye to early mornings, long commutes, and rushed dinners, you will have more time to enjoy yourself.
When you retire, there can be a period where you feel mixed emotions, and this is normal because there will be a dramatic lifestyle shift.
You can make the transition smoother by planning and brainstorming how you want to spend your senior years.
Your health should be a priority, and you can start focusing on this straight away.
Plus, you might already have items on your to-do list, and once you retire, you can start ticking them off.
Healthy Retirement Tips
If you are newly retired or preparing to give up work, the following tips will help to keep you safe and healthy in your senior years:
1. Protect Your Health With Insurance
Healthcare can be expensive, but there is a solution. Original Medicare is available for most Americans once they are 65+ years old. Medicare is a form of health insurance offered by the government and reduces the cost of some health services.
There are two parts to this scheme called Part A and Part B:
- Part A is for hospital stays, skilled nurses, and limited at-home care.
- Part B is for doctor’s visits, diagnostics, and treatments.
If this basic coverage isn’t enough, you can apply for a Medicare Part C plan through a private insurer. Part C will include everything you would get with Part A and Part B, plus extras such as dental, hearing, vision, and drug prescription (Part D) coverage.
2. Get Up And Get Moving
You know the saying, prevention is better than cure! Keeping fit will reduce the risk of disease, skeletal and muscular issues, and depression.
Your fitness level and any ailments will have an impact on the options you have for exercise, but even a 30 minute walk each day will make a difference.
If it has been a while since you have exercised, you can start slowly. It can be fun working out with friends, and it is a great way to stay motivated.
There will usually be specific seniors groups in your area with activities such as lawn bowls, hiking, weights, synchronized swimming, tennis, dancing, or yoga.
3. Assess Your Finances
With your new lifestyle, your finances and expenses might change. Seniors can often access discounts, and it is worth inquiring with existing utility, insurance, and telecommunications companies.
If you are no longer driving to work and have multiple vehicles, you could sell one to reduce your monthly bills.
If your income has reduced, you can still live comfortably. Know where your money is going and take the time to learn whether you could be spending it better.
For example, you might be able to cut down on takeaway and learn to love cooking. You could have one coffee a day instead of two, and discover a passion for vintage clothing.
4. Pick Up The Phone
Staying in touch with family and friends is beneficial no matter how old you are. Try to make an effort to connect regularly, whether it is via phone, in person, or online.
These catch-ups will keep you connected, and relationships support your mental health.
Communication is especially important if you live alone because you should always have someone looking out for you.
A Safe And Healthy Retirement
A safe and healthy retirement is a happy one. When you organize the right health insurance, you will be able to maintain your lifestyle and stay independent for longer.
An active lifestyle and a circle of friends are good for your overall health, and having a routine can be useful.
If your financial circumstances have changed, set a budget, and take advantage of any available discounts.
When you implement these simple tips, you will be ready for a successful, safe, and healthy retirement!
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