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Reply to "Lump sum vs monthly benefit and life expectancy "
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[quote=Anonymous][quote=Anonymous]Are people (men in particular) overly optimistic about their life expectancy once they retire? If most men retire at 65 and most die before 82, then why do so many opt for monthly benefit as opposed to lump sum which could be rolled over into an IRA?[/quote] How long you live is luck, genes, taking care of yourself, and good medical care. But if you are a male alive at 65 -- the chances are very high you will exceed 80. To some degree look at you parents and how old they are or were when they died. Not a perfect predictor but then add in if you lived a different lifestyle and take into account the advances in medical care. More and more of us will live to 90 plus. [/quote]
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