In my fathers day, when you did your job well, you received benefits if you got sick. Like your wife asked for the RSD right..... Being denied when you did all the rights things is horrible, and a reflection on insurance on the whole. I was self employed, unable to receive any insurance at all. pre-existing conditions. Dumped out of the insurance pool altogether. It took me four years to get disability. I had extinguished all savings of two generations. I feel a great deal of empathy for those fighting for their health care. ginnie