41 when I lost mine so I know how it feels already. Lucky to have it back is how I look at it now. People underestimate how important this may be for their future because of youth, or the won't happen to me mentality.

I had the same paper chase until I actually caught the principal rep in a lie saying they didn't speak to my doctor. I was calling from my doctors office when I was told this so he promptly changed tone when I handed the phone to my Doc. Definitely a pain in the rear for sure.