Many people plan to retire at 65 and some intend to keep working into their seventies to get the most out of their career and maximize savings.

That's a fine plan, but 40 percent of current retirees were forced into an unplanned early retirement because of health issues or job loss according to a 2006 McKinsey & Co survey.

Therefore, have Plan B in your back pocket. This article will help you evaluate your preparedness for an unplanned retirement. Topics covered include: how to maximize savings, retirement savings, 401(k), Medicare Part D, Medi-gap coverage, disability, dental coverage, asset allocation and second careers.

GOOD DEFENSE IS YOUR BEST OFFENSE

Make Sure You're Saving Enough

Ideally, you have already calculated your retirement savings goal and adjusted your contributions to hit that target by your planned retirement age.

Now imagine that your savings have to last, perhaps, an additional five years. By stashing away an extra $200 a month in your 401k, in 30 years you would end up with about $244,000 more in your coffers.

Shore Up Your Insurance

Medicare Part D, Medi-gap coverage, long-term care insurance, disability, dental—the list of insurance policies you will need to pay for out-of-pocket in retirement seems exhaustive. Moreover, the number of large companies who offer their retirees health coverage is steadily decreasing.

Now is the time to consult with a qualified planner who can help you analyze your insurance needs and assess whether you are saving enough to cover those costs.

Reevaluate Your Asset Allocation

Your portfolio needs to reflect the amount of risk you are comfortable with, while aiming for the maximum amount of growth. Revisit your asset allocation strategy with a qualified advisor. Consider whether slightly more aggressive investments might yield higher returns that could cushion you in the event of an unplanned retirement.

Consider a Second Career

About seven out of 10 people say they plan to keep working in some capacity after retirement. Unplanned early retirement is another reason people stay in the workforce.

If you did have to make a sudden transition at age 59 or 60, for example, would take a part-time job, launch your own business or shift into consulting? Decide whether there are some credentials you can acquire now that might boost your skills in the present and be an asset in the future.

BOTTOM LINE: Odds are that you will be able to retire according to plan, but given the large percentage of workers who are facing an unwanted retirement today, it's smart to think like a Boy Scout and "Be Prepared".