Mrs Cat had to retire on ill health grounds some 5 years ago. Given her age at the time, we took out an annuity provided by her pension fund using her AVC as she could have another 30 or so years to go. It amounted to about another months pension each year. Annuity rates weren't very good at the...
If you have a physical illness the NHS treat it for free, often very well.
If you have a mental illness like dementia, the NHS and Adult Social Care regard it as a lifestyle choice, make no attempt to treat it, and fleece you for every penny.
:rant::rant::rant::rant: