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after 15 years of living with pd, i think it's about time i "retire" from work... i own a personal disability policy (not through my employer) which defines disability as being unable to perform the "material and substantial duties" of my position, a phrase that can be interpreted to mean various things based on whhose interests are at stake.. has anyone out there had any experien e with the "material and substantial" phrase that they can share........ Dale Williams [log in to unmask]