And they wonder why the bankruptcy rate is so high.

I'm not looking for a hand out. I worked hard all my life - since I was 16 years old I've had a job. My last job I was there for 15 years. I'd much rather be working than collecting LTD and SSDI.

I had to explain to a woman (LTD company) who doesn't have a disabling illness why I cannot work. And I had to answer questions that made me feel like I was trying to "get away" with something. I know some people will abuse the system and that makes it hard for those of us who genuinely need the assistance. It just makes me mad that we have to fight so hard for what should be rightfully ours. I mean, what's the point in paying the LTD premiums and contributing to SS if we have to move heaven and earth just to reap the benefits when we need them most?