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If there is anyone out there in our group who has made a claim on a privately purchased (as opposed to employer provided) Long Term Disability Insurance policy, I would appreciate it if they could contact me at [log in to unmask] . Due to worsening symptoms, I am about to file for benefits and do not want to make any avoidable mistakes. It's an "own occupation" policy, which I understand the issuers have had such unprofitable experiences with that they are very tough with claims (and no longer sell it). (One "offending" group of insureds supposedly are doctors who are saying they can't doctor anymore due to the stress of the new medical economics.) If there is anything interesting that comes out of this I will post for all of us. Thanks. B. Bruce Anderson (50,1 1/2),