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Don, what is mostly unfair to Ivan and anyone else in his position is they will take away his benefits if he tries to earn or raise more than a small amount over his SS income, so they are putting him in a no win situation, to lose his house over a few hundred dollars owed for a service he does not use! A Catch 22 if I ever heard one! You are right, though to know the facts before signing. TTYL Ken B