It’s common to assume that once you’re retired, your working days are over. But that’s not always the case. Whether it’s financially necessary or just a way to stay busy, a lot of people end up with a post-retirement career.

If you think you’ll need or want to continue working to some degree after you retire, it’s important to start planning years ahead. Here are three different paths you can take for a post-retirement career—and important aspects of each that you’ll need to plan for.

Working part-time.

For many, retirement is something that is eased into by dropping from full-time to part-time. If you want to continue working on a part-time basis, the first step is to understand how much income you’ll need. Can you afford to cut down on hours? Do you need the money or are you just trying to fill some free time? Make sure you have a clear understanding of your cash flow needs.

Changing from full-time to part-time will likely make you ineligible for employee benefits with your employer. Before you make the decision, look at the benefits you’re currently receiving. The most important consideration here is if you will continue to have health insurance. If you’re 65 and eligible for Medicare or married and on a spouse’s plan, this may not be an issue. But if losing your employee benefits leaves you uninsured, that could cause major financial or healthcare problems down the road.

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