It isn’t an entitlement it is welfare.
If you consider it welfare, don’t take it in any form - not as a traditional benefit, not as a lump sum. I don’t view it as welfare, but as a government-operated insurance program.
An insurance program that forcibly takes your money and gives it to others is not insurance by any definition. Money taken from one person and given to another is called welfare.
You can pretend it is something else if it makes you feel better about taking it from a working person.