I think it is better to take it, but I would save it in something that is no risk. You may need a lot more care than your monthly benefit will pay at the end of your life. If you save it safely, then you will have additional money to put with your monthly benefit and afford more hours of home care for example, or maybe a piece of equipment that will make your life easier…like a robot that looks like Brad Pitt :o) S.M. 052217