It is stupid to make the wrong decision, which can harm your future social benefits
. The reverse mortgage loans can have influences on the social benefits, so it is wise to meet the counselor and to ask guidance. Then there is the moral aspect. Are you ready to use the equity, which also your heirs are waiting for? This is a personal question and you could talk openly with your heirs about it. It can happen, that they say, that you have the right to live the full life as long as you live and that they can do on their own.