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A Medigap plan will pay for some of traditional Medicare's out-of-pocket costs. Remember to purchase a Medigap policy during the six-month period when you're 65 or older and enrolled in Medicare Part B. You could be charged significantly higher premiums or denied coverage if you try to buy a policy after that point.

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Predicting the risk of automation is tricky, and its possible that the Oxford study overestimated it. When it was published in 2013, it was met with a significant level of skepticism, and much of the criticism pointed to the fact that the study didnt account for job creation as a result of automation. Other research has offered different levels of severity and different timelines for when these things might happen. A 2017 Gartner analysis, for example, says that by 2020, A.I. will have eliminated 1.8 million jobs, though it also predicts the technology will lead to the creation of 2.3 million new jobs in the same time frame. An April report from the Organization for Economic Co-operation and Development puts levels of automation for jobs in the U.S. at closer to 10 percent over the next 10 years. Even in a 2017 report on the vulnerability of American communities to automation, the Ball State researchers behind the new study note that much that is unknown about the potential distributional impacts should automation or offshoring job losses continue at their recent pace or accelerate in years to come.

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