Did you know that there are now more single people in the US than married people?

According to Census.gov, there are 110.6 million unmarried people in America age 18 and older in 2016. This group made up 45.2 percent of all U.S. residents age 18 and older. There 19.5 million unmarried U.S. residents age 65 and older in 2016. These seniors made up 17.7 percent of all unmarried people age 18 and older. And there are 88 unmarried men age 18 and older for every 100 unmarried women in the United States in 2016. Statistics go on that proves that majority of people in the US are in the single or unmarried category, and most of them are women.

Retirement planning can be a daunting task for women. Especially because they have to face a lot more challenges than men. To help our women plan for their golden years, here’s a retirement guide to help know what to include in plans.

1. Save more for retirement.

Because women do not earn as much as what men do, they should grab every opportunity they have to save.

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Save as early as possible! Usually, people take away about 10% to 15% of their salary for retirement savings, but for single women, they should up it to 15% or more. Increment your savings whenever you get a salary increase.

If you are having a hard time to save, try to at least save and reach an employer match to your 401(k). Consider opening an IRA also.

2. Secure your future healthcare

It is never too early to save, and it is also never too early to plan your health care needs in retirement.

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Aside from retiring as single, women should also consider their health and long term care needs. Women live longer than men, also they usually adapt to the caregiver role later in life. Those factors tend to put women’s attention to their roles instead of taking care of their own retirement needs and healthcare. Before those things will happen, planning for it early matters.

Know your healthcare options ahead of time. This ensures that you will get the right coverage and avoid confusion.

Medicare

Medicare is a confusing world. Every day, you will get to learn a lot about this health coverage provided by the federal government. So, understanding it early provides you ample time to develop a strategy should the time you became a beneficiary arrives.

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Medicare Supplement Plans vs. Medicare Advantage plans.

Medicare Supplement plans and Medicare Advantage plans are Medicare options that you should carefully look into consideration. Failing to decide which one you will get at the right time will cost you lots of money or miss the opportunity to apply with a guaranteed benefit ( for Medicare Supplements).

Medicare Supplement plans, also known as Medigap, are insurance policies that you can get from private insurance companies. It covers the healthcare costs not covered by Medicare. Medicare Advantage plans, on the other hand, are policies the provides the benefits of both Medicare Part A and Part B with some additional benefits.

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Long term care insurance

Women live longer than men and women usually takes the responsibility of a caregiver in the family. Because of those factors, women are more at risk of needing long term care at any point in retirement years. Long term care costs are expensive. With the retirement savings alone, women might struggle to handle long term care needs, especially if they are single.

Medicaid

Medicaid is another health care option that every single or unmarried women should know in retirement. To make the most out of the coverage options, women should also consider Medicaid. Though it may have some income requirement needed to be eligible for coverage.

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3. Strengthen your social circle

It is important for single or unmarried women to have a life outside of work. Because when you retire, you won’t have work and workmates to help you fill the 8 hours of your day. It is important to have a long list of activities once you retire.

The people around you, your family, friends, neighbours or other people in the community may have a big factor in how you will live your life. Therefore, it is important to have a strong connection with them as well as build a new network of friends.

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Read next: Growing Old Alone and Single: 7 Ways to Overcome Fear and Be Successful

This coming Unmarried and Single Americans Week, I am looking forward that more women will be aware of the importance of retirement planning. Hopefully, this guide provided them what to include in their plans.