Many in the U.S. are looking forward to a financially secure retirement, but some may not be prepared for the costs of serious illness later on. Planning for such circumstances is necessary for a fulfilling retirement.

Retired journalist Glenn Ruffenach shared how his meticulous retirement plans went awry when his wife was diagnosed with Alzheimer’s just four years after their mutual retirement.

Ruffenach now cares for his wife’s basic needs, worrying about future costs. Quality care in their area starts at $12,000 a month, emphasizing the need to save for health care expenses in retirement.

Ruffenach, a retirement expert, advises retirees to consider downsizing, long-term care insurance, and the high costs of health care in old age. He urges others to learn from his experience and prepare for the unexpected.

To prepare for health care expenses, retirees should consider boosting IRA or 401(k) contributions, opening an HSA, and increasing their emergency fund to cover potential downturns in the market.

Understanding long-term care insurance, Medicare, and Medicaid coverage options is crucial. Make a retirement plan that considers potential outcomes to avoid financial difficulties in old age.

Read more at Yahoo Finance: Couple’s perfectly planned retirement was derailed by an Alzheimer’s diagnosis. Are you prepared for the unexpected?