. What makes you certain. You won’t acquire a terminal illness near retirement and die before you actually retire?
Seen multiple people near retirement just die slowly,( kidney failure and dialysis is not cheap, cancer and heart failure ).
It's very possible. At that point I'm not worried about retirement or the union. If needed, I guess I could just get on my wife's insurance if I needed to. Then, I guess there's always the almighty ObamaCare!