Okay, I'm a bit confused. Kmeb has a LTD company.

I have Social Security Disability.

You say medical disability is different today then when I got it. I have been reviewed twice since I am on it and had no problem.

Is her disability different than the social security disability that I am on?

I am on a medicare HMO. Blue cross, etc.

Is this XXXX an HMO (like mine). Sorry to be so thick.

And if XXXX is a medicare HMO, can't she switch HMO's.

thanks

UPDATING THIS POST.
----------------------------------------------------------------

I just clicked on the link and read the whole story about XXXX. I gather that kmeb purchased a disability policy from them in case she became disabled. And they have denied benefits to other people.
So I gather that kmeb is not on Social Security Disability and medicare like Alan and I are on? Am I correct?

I don't mean to pry into kmeb's business but I just wanted to understand the whole XXXX thing.