doesnt that one pay out over 40 years now or something instead of 20 like it use to be? I dont think I would live 40 years more, wonder if it is transferable to my kids or if it is lost.the cash option isnt the govt's fault, its his for taking that, but if he took it, he dont care. i would take the payments, but im 22, he might be old enough where payments would outlast his life. and 35% roughly on takes isnt bad, the avg person claiming -0- dependents pays about 25%, jsut the larger amt at once seems like a bigger deal