My dh needs surgery and will be off work for 3 months. We're thinking of waiting until shortly before retiring as he has 100% disability after using 1week PTO. That would give us another three months of income before officially pulling the plug although he may go back. He has three months of paid vacation time. If he cashes it out after retiring, he gets a cash value at 90%. Otherwise he would need to work part time and cash it out as he goes along. Thought?