Just think it all through and really evaluate your situation. And go into it not trusting them to follow through on everything too much. I still work but I have retired from the military. Been out 10 years and every year more of our "benefits" go away or get more expensive. The latest is our meds. Now instead of stopping at my pharmacy by my house to get my meds I have to make a 60 mile round trip to get on base and use the pharmacy there. The other option is a mail service that has been a total nightmare to even get one prescription filled. Or of course, I can continue to use my local pharmacy and pay for it all myself. Yet another slap in the face to a disabled vet, LOL. So go into with your eyes wide open, evaluate everything, and plan for the worse.

I invest heavily in my own "final" retirement so that I don't have to rely on anyone else. Good luck with your decision.