It is difficult to imagine that firefighters are not prepared for the future. As times have changed, the issue of protecting ourselves is about more than just the bunker gear we wear or the SCBAs on our backs.

Our profession has come a long way in providing us with all the tools we need to do the many tasks at hand, but there is one area we're often left unprotected. What am I referring to?

Healthcare insurance coverage and the career cycle creates a big gap for firefighters. Most people expect the work cycle to end in their mid-60s. Around 65, Medicare and other supplemental coverage kick in, and the retired former employee is covered. There are other options that can provide coverage in the retirement years, but they can be expensive.

The gap for firefighters is that few line firefighters can work into their 60s. The body is just not built to work in this profession as we approach our mid-50s. This gap is what keeps many firefighters on the job — in many cases at the employee's peril.

So, how can we reduce this gap or eliminate it altogether?

The first step is to understand that there will come a time when this issue will affect the family and the individual. Planning is the key as well as understanding the options one can take to lessen the impact on this looming gap.

Before writing this article, I surveyed fire chiefs and friends in the fire service and found few departments provide health insurance coverage in retirement. The answer I got was, "You're on your own."

All firefighters have to plan for that day when they can no longer ride the rig, fight the fires and deal with all the stress. Consider these options/alternatives:

• Can I stay on the job in a different capacity? Promotion into a chief position, going into the bureau, moving into dispatch or working in an administrative role are all viable. However, you must prepare yourself to make this transition. The more education you have, the better your chances are in moving into a new position.
• Move into a new career. I have seen firefighters move into the trades, real estate, medicine, teaching and other professions. There are opportunities in teaching fire science or working in emergency management. Again, planning and preparation are a must.
• Deferring income is another smart move. Many departments offer deferred compensation programs that can create a nest egg for pending retirement. Maximize your contribution and let your money grow.
• Some departments allow their employees to stay on their current plan. However, most agencies will not pick up the premium. This option can be expensive, but at least you will not have to qualify for another program. This is where the deferred dollars come in.
• Lastly, take care of yourself. The job is hard on the body. Work out and stay fit. Eat right and find the time to decompress.

This issue of providing healthcare coverage is a problem for many people. No one knows for sure where we are headed.

Firefighters need to plan and prepare for that day. Good luck and stay healthy.