[bittercynic]

You can do this, but for many people it's hard to hang on to those credits until you're elderly and need to spend them on assistance. Also, the amount of care you'll need when you get to that point can vary over a large range, so it's hard to plan for.

[jv0010]

People do this is Singapore and Australia with annuities and can elect to contribute more if they want but the flaw is that annuities are subject to the market and can be wiped out. It’s the same people have to hold onto these funds until they reach retirement age or meet certain criteria