Retiring w/Stage 4 cancer take high monthly payments or PLS w/lower monthly

[mystang52]

My best wishes for you and your husband. Echoing others, the 100% survivor option is your best approach. I don't have Stage 4, but I am living with cancer. As my wife and I did, out of necessity you must look at this from a cold and hard perspective.
You are 10 years younger than your husband. For that reason alone you are far more likely to outlive him. Factor in his cancer, and the odds increase more for you to outlive him. No one has a crystal ball, hence my comment about the "cold and hard" perspective.
Again, I wish you and your family the best.

[MBAustin]

AngelicEnergy - We're so glad that you joined and posted and are getting helpful information from other members, and we're all so sorry that you are here for such a difficult reason.

I think mystang52 hit the nail on the head - even without the cancer, you are statistically likely to outlive your DH by quite a few years, so that's why the 100% survivor benefit is financially the right call.

It might be helpful for the two of you to have some heart-to-heart discussions over the next several months about what is most important, what your hopes and fears are, etc. You both might benefit from cancer support groups of one kind or another as well.

We wish you both all the best!

[MarieIG]

100 percent survivor

No lump sum, you have not only yourself but the child to consider. DH is going to get SSDI to add to his income now.

If you are worried about DH living for 40 years and you predeceasing him, take out a cheap term policy on yourself to cover the difference.

[Travelfreek]

Plan for the worst but hope for the best! - great words to live by! Prayers for you all!