Lol to the both of you! At this point in time, I have made the decision to take it.......but obviously the final decision isn’t made until the last day of the opt out period. Depending on the exit date I’m assigned, I’ll have to pay for a year+ of medical for myself. Wife’s b-day is August 31. She is a year older than me so will go on Medicare at the perfect time for a Sep 1 date. I’m hoping to exit Nov 1. That would be perfect for me to max out the 36 months and turn 65 at same time.

I've also been seeing a lot of emails the last few months of pilots passing away. It makes one think....

Some one said the 3 years before 65 are better than the 3 years after. I agree.

Denny