I will qualify for lifetime medical in 2009, and I plan to retire at that time.
With health care expenses spiralling ever upwards, I think that having that benefit could be very helpful and will certainly give me more peace of mind. If health care was not the "issue du jour" these days, I would probably retire now as my portfolio is sufficient for my needs.
"Never let the future disturb you. You will meet it, if you have to, with the same weapons of reason which today arm you against the present."
- - Marcus Aurelius