While many people want to continue working later in life, not everyone can. A very high percentage of those who are currently working expect to work to age 65 or later, but the actual experience of retirees is quite different. Nearly a third of retirees said they retired earlier than expected primarily due to health problems or disability, or due to changes at their company. It is very important that clients have a financial back-up plan if they are not able to work, and disability coverage to protect income should be considered if an individual or family is highly dependent on income from employment.