Bruce, Please send to me too. I live in South Africa and have submitted a claim already to the employer, but according to the medical report I am not disabled (enough) yet and the claim was turned down. I realise that legal issues etc are different in this country, but background info can be helpful. If not too difficult I would appreciate youo posting me some of the material. (is this subject not covered by the faq list and, if not, should it maybe be added? My address: 11 Feinauer Street Chrismar Bellville 7530 Cape Province South Africa Thanx in advance! Gerrit Kleynscheldt Tel: 021 947 8918 (International +27 21 947 8918) Fax: 021 947 1521 (International +27 21 947 1521) Please note the following: Because e-mail can be altered electronically, the integrity of this communication cannot be guaranteed. -----Original Message----- From: Bruce Anderson [SMTP:[log in to unmask]] Sent: Sunday, April 04, 1999 8:37 AM To: [log in to unmask] Subject: Re: filing for disabililty (employers LTD benefit) Karen, FILE for it. I did after being diagnosed for a little over a year and was approved after some minor hassles. If you will send me your snail mail address, privately , I will send you copies of the completed forms and correspondence I used that was successful. There are others on the List who either made successful claim or who sold LTD who could also advise. PS - you are not unemployable - you are disabled.