Because from what I have read here Vic is considering not only what will be the best protection for his family but also the ethical issues regarding taking advantage of social services when you still have other options. I appluad him for being so thoughtful with regard to both concerns.

When I read stories about people who can't afford fricken diapers on their disability income it breaks my heart and I could not live with myself if I thought I was taking money from them unless I absolutely needed to. These funds are not unlimited.

Again I am in no way saying anyone that truly needs it should feel bad about applying, just that as long as I still have the option of taking care of myself and freeing up those funds for someone who truly can't get other insurance I will continue to provide for myself even though I have also paid into it for 30 years. I hope I can pay into it for another 30 without ever needing it for that matter.