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Charlie, My ins. co. pays my full benefict for the first 30 months. During that 30 months I have to apply for ss dis. After approved, ins pays what ever ss does not. Combined my the amount is the same. Plus I keep my health ins and life ins at no charge. Plus i have a drug card. I get 3 months worth sin 50/200 and 25/100 of for 10.00 each. Thanks for your enfo. Mike T.