THANK GOD FOR MARESONE! Everyone out there that has ANY questions about Disability Insurance INCLUDING Social Security issues needs to give the biggest thank you to maresone on this forum for providing US with the above site! I'm not quite sure on how to make it a link but he gave this site to me and now YOU! Go to the DCS Group Manual...it has everything you could possibly need to understand Disability Insurance! It is 115 pages long and opens in PDF format but what a GREAT piece of writing! GO THERE you won't be sorry!