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You know people who've said this: "I'll work till I'm 80!" or "I'll never retire." You hope for their sake, at least, they can work as long as they want. We all want to work as long as we want. But that's not up to us. Call it chance, fate, bad luck, divine plan, interesting circumstances, but we can only control so much about when we retire. What can you do? We caught up with Mike Heard, president of CNO Financial's Worksite Division and he gave us four key steps to consider.

Heard is president of the worksite division of CNO Financial Group and is responsible for the sales and operations of the company's worksite business. From April 2017 to January 2020, he served as president of CNO's Washington National business, which offers a suite of supplemental health and life insurance products and administrative technology, including an enrollment platform to help employers administer their benefits programs.

BenefitsPRO: What have you seen as far as early or unexpected retirement occurring?