Originally Posted by Planetrain

The medical VEBA would have been a really great plan. At about $1/flt hour input ($1000/year... $25,000 in a 25-year career), it would have been relatively low cost, but the forums killed it over the issue of its estate-ability. So strange. The tax savings aspect was huge. If I die, my wife gets it; if we both die, dependent kids get it. If all of the above die before completely exhausting the balance (these funds could be exhausted early in retirement well before tapping into HSA balances), the Delta pilot group gets the remainder. What I think is misunderstood, is that most people on their deathbed in the hospital would use up their VEBA fund. Estate-ability issues would realistically apply to very very few.