Single women in or nearing retirement can have it tough. Consider the lot of Sari Simmons: To make ends meet, this personal care provider works 40 hours a week and collects Social Security. But with no “surplus” money for savings, and high health care costs, this 63-year-old won’t soon be retiring. “Being single,” explains Simmons, of New Jersey, “you can’t rely on anyone else to share (in covering) your expenses.” Her story is hardly unique.