Jim I think that once you reach retirement age and are taking more money out than you are putting in you are classified as a Coffin Dodger. I intend to do this for as long as possible. As for the surgery I require apparantly I can take a “running jump” They don’t do knees at the moment(I need one and the other is packing up) As for my Spinal Stenosis that is 15 months overdue from the date I was given! Ever tried to take a running jump with two C rap knees and a back that gives up after a few yards so your legs go dead and you fall down?

They have done the sums
2 knees at 10k a side £20,000
Back 24k minimum £24,000
Total £44,000(at 2010 prices)

Benifit and carers allowance £6,800 p.a.

So on my calculations if I kick the bucket inside 6.47 years the Government wins so I have to live beyond 74 to beat them at their own game.

Note due to my age do the calculation yourself as I could be way off!:)