Bummer...only thing is...Binder and Binder still want to get paid.

pros...you already have insurance including life
cons...you will be eligible for Medicare in two years, no life insurance, have to buy part D for prescription coverage

Pros...Binder and Binder will only get 5200.oo from your back pay, you have to pay back the LTD you received
Cons...your pension plan contract could be written so you don't have a choice unless it is medical retirement and could stop at any time. Seen it happen before.

Pros...I'm glad I don't have to decide what to do.