Our daily roundup of retirement news your clients may be thinking about.

Protect your retirement from a 'Deflategate'

The National Football League season should remind retirement investors that luck also has a part in investing success aside from the years of preparation and good decisions, according to this article on MarketWatch. When taking part in the stock markets, investors need to realize that "it's a zero-sum game." Indexing is a good investing approach in the long term, since predicting the winner is not as important as saving for retirement. –MarketWatch

Weighing the pros, cons of long-term-care coverage

Government data show that most seniors age 65 will need long-term care services, but coverage for this need can be costly, according to this article on CNBC. There are ways to reduce the cost of long-term care insurance, and one of them is to buy the coverage at the earliest possible time. Insurers offer long-term care policies that may not be worth buying, so financial advisers tell clients to get a policy with big benefits spanning just a few years. –CNBC

Gold-plated public-school pension plans? Most teachers never see the cash

Only 50% of public school teachers are expected to claim their pension benefits but the debt of teacher-pension plans has grown significantly to $499 billion, according to this article on Forbes. The enormous debt takes away an average of 70 cents of every $1 contribution to state teacher pension systems, based on a study by the National Council on Teacher Quality. “The funding crisis is staggering, yet the structure of most states’ pension systems isn’t giving teachers what they need,” says Sandi Jacobs, the organization's vice president. –Forbes

8 great freebies for retirees

For Americans, retirement comes with many perks, such as free tax preparation, free preventive care and free prescription drugs, according to this article on Kiplinger. Retirees will not also pay for eye care services as well as education. Free admission to state parks and museums, and free transportation are other privileges that retirees will enjoy. –Kiplinger

Here’s what you’re really going to spend on health care in retirement

Twenty-six percent of traditional Medicare beneficiaries were in the 65-69 age group and took 15% of program spending expenses in 2011, while those aged 70 to 79 account for 32% of the beneficiaries and 30% of program expenses that year, according to a study by the Kaiser Family Foundation. Seniors aged 80 and older comprised 24% of total beneficiaries but accounted for 33% of Medicare spending that year, the study found. Read the findings of another study by the foundation that provides data on health insurance premiums and uncovered health care costs at different ages. –Time Money

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