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hi Im Quinn Arnold with Arnold and melt wealth management were asking how do you evaluate if a severance package is the right deal for you there are a couple of considerations first figure out your medical coverage if youre retiring before the age of 65 you wont be covered by Medicare and you need that medical coverage at this important time in your life look for whats called retiree medical coverage in the package second can you hold out longer for a better deal sometimes its a bit of a gamble but companies go through multiple rounds of layoffs and they offer better packages as they go along finally is this in your overall retirement plan do you either need to or want to work longer then taking the money from the company and leaving your job may not be the best option for you [Music] you