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For many people, age 65 is synonymous with retirement. After all, that is when most people first become eligible for Medicare, the government's health insurance program for older Americans.

"Everything will come back into play, it's just a very sudden interruption with some uncertain terms about what the future holds," said Tammy Flanagan.

However, there can be advantages to holding off on retirement and working a few additional years, so it’s important to look ...