Well at 60, she and her husband have been saving for their retirement for 40 years already, so she’ll use that to retire early. Plus she’ll have at least half of all other assets too. Probably more if she’s disabled as in your example and unable to work at all.
Or do you believe that the husband should be unable to retire to find her lifestyle in perpetuity?
At what point are you imagining this 60 year old woman with no work experience is going to be able to support herself?
Well at 60, she and her husband have been saving for their retirement for 40 years already, so she’ll use that to retire early. Plus she’ll have at least half of all other assets too. Probably more if she’s disabled as in your example and unable to work at all.
Or do you believe that the husband should be unable to retire to find her lifestyle in perpetuity?