Weighing a contract offer against waiting - 13 months and counting

I got a contract offer for 3 months as a social media manager and I am unsure whether to accept. I worked as a social media manager before this. I have 13 months of savings left. How did you handle benefits?

Thanks for writing this out. I went through something close to it last year, and it got easier once I kept a simple log of every call and form.