How long do you want to be under some form of care???
Not one extra day IMHO
Not well is very expensive.
eg As i was talking with a manager this week im very aware that in his early 60s he has had to renovate his bathroom to have it level so he can push is stroller around.
He has told me that it cost 30k.
Life style is expensive & self discipline & prevention is so much smarter.
eg the sparkie we meet only this year aged 36 who has had a TPD payout of 400K for chronic fatigue.
That won't earn much or go far & when he was FIFO earning plenty then his lost future earnings is millions.
Let me know if you want to move forward & get serious.