While more boomers are working beyond their 65th birthday and many will live to 85 or beyond, not all will spend their final years in good health. Picture Dave, 66, and his wife Susan, 62 — diligent savers who have six months of emergency savings in a high-yield account along with an impressive $2-million nest egg in 401(k)s, which they hoped to draw down at a comfortable 4% annually, or $6,700 a month in their golden years. Must Read They’ve planned for everything … except Susan’s recent MS diagnosis. ...