Stop in for a cup of coffee

Im halfway thru year 18. No idea what percentage but they’re thinking at least 30 for the knee alone, if they connect the others , could end up around 50-70
would milk it till you hit 20, takes away from your 60 YO retirement. meantime after retiring take the LOD's and apply to the VA if approved tax free till you hit 60 then they deduct the monthly payment from your retirement.