Which older adult is most likely to need preretirement counseling to avoid significant concerns in retirement?
a. African American female who is a certified public accountant
b. Mexican American woman who receives cash for cleaning services
c. Middle-aged male adult who has a history of type 1 diabetes mellitus
d. Older male clerk who works for the department of homeland security
B
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A Incorrect. Although the African American woman is a member of a minority group, she is a professional and likely to earn a significant income in a finance-related business. Her occupation and education places her well to receive significant retirement planning.
B Correct. The older adults with the most need for retirement planning are the same people who are least likely to receive it. The Mexican American woman is most likely to need preretirement counseling to avoid significant problems in retirement because she has three characteristics indicating a need for retirement planning; her sex is female, her job implies a lack of education or training, and she does not pay into Social Security or federal taxes. Thus she can potentially fail to pay into the federal system for a sufficient length of time to be eligible for Social Security and Medicare benefits in retirement. In addition, her job is un-likely to offer a 401k plan.
C Incorrect. This man has one factor potentially associated with the need for re-tirement planning: poor health.
D Incorrect. The older clerk has one factor potentially associated with the need for retirement planning: a clerk is likely to be a lower-level employee.
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