Spanky,

You're welcome, but please understand that I'm not advocating "taking long term disability over retirement." I was only pointing out how in my particular case, it made more sense for me to remain on LTD, than it would have to have retired. Hopefully everyone will make it to retirement age, whatever that is, without having to avail themselves of LTD. That said, it is a wonderful benefit that is available to those unfortunate enough to have to use it.

JJ