Hi Bill! Glad you had a good experience, I did too! I applied online in April 2013 and was approved 3 months later. My payments are due to start in October (for September). I did not need to have any medical exams, etc. I had the majority of my medical records and letters from my PCP and and pain management dr. We dropped them off at the local office. I think this saved them a ton of work and time because I had everything all organized for them.

I am soooo thankful!!