hi wiz, good to hear you're back.

if it helps anyone else let me tell you the poor decision i made when i was still working. i was an RN and had worked at my hospital for 18 yrs. i was not in a good way when my MS was dx'd. i was 58 y/o.

i was working FT and had been paying for LTD benefits. i hoped that if i went to PT i could prolong my work life into my 60's. HR told me if i went PT i would loose my LTD benefit. but, i decided to do it. well, only 2 mos later i had to resign. i just couldn't do it. and, so away went my LTD.

i had to pay COBRA for 18 mos til my SSDI was approved. a bad move. think long term when you're still working. hope this experience helps someone.