As people prepare for retirement, even the best-laid plans can go awry. Health fails. Spouses or other family members become ill. Marriages end in widowhood or divorce. Investments sour. People lose their jobs. Health, employment, and marital shocks can have serious financial consequences -- out-of-pocket health bills, reduced earnings, disrupted retirement saving -- forcing people as young as 50 or 60 to dip into their nest eggs.