That was, in fact, the reason that I retired 2 1/2 years AFTER my nominal retirement age (which, because of my birth year, was 65 years old). I stayed until 67 1/2 because I was having medical issues and needed a couple of (relatively minor) surgeries. I stayed under the corporate insurance plans for an extra 2 1/2 years and, once things were under better control, I retired. Can't say it was all a bed of roses but I survived it and protected the wife, house, and retirement savings. Even now, we aren't wealthy by my understanding of the word, but we have good retirement healthcare and just have to pinch pennies on some other things - like the fact that I'm driving a 15-year-old mini-van. I'll repair it before I'll replace it despite rising repair cost issues. But for the most part, we are comfortable old folks who don't do extravagant things.