You are correct teatime. I moved south, and worked until my body would not allow more. I also have immune problems that manifested many years ago and held me from my full potential in the work force. I had documentation from medical issues for many years. You are right, the agencies are looking very critically at baby boomers close to retirement ages, and it is getting harder to get benefits. I live in Florida, where this issue is very much in the news. It was a very difficult journey to get the benefits. ginnie