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Mike, My disability income case was complicated by the fact that I was attempting to go back to work part-time but I went February through September without an insurance payment my attorney didn't want a rejection and therefore agreed to waive the 90 day period while we got them some additional information. When I became eligible for Social security it went through without a hitch but it didn't help me since it was deducted from 2 of my policies (I had several fortunately) and actually reduced the amount that I got in total. I hope you don't have a coordination of benefits clause in your policy since it subtracts the amount of your SS benefit from your LTD benefit. If you do have such a clause I wouldn't be too prompt about filing for SS (if the insurance company gets the benefit rather than you.) I know the relief you feel as do many of the rest of the list a few of whom went through it with me several years ago or themselves. Charlie ----- Original Message ----- From: Mike Truluck <[log in to unmask]> To: <[log in to unmask]> Sent: Wednesday, October 20, 1999 12:56 PM Subject: Re: LTD APPROVED > Charlie, > > Allmerica Financial was the ins company. My last day employeed was April 2, > 1999, then had to wait 90 days to apply then 90 days to approve. They waited > until the 90th day to approve....HA! > > Some Stress is relieved for now.....next we go through SS approval process. > Have you had any experience with that?? > > MT