Actually, Cherie, I only have 14 months (and 14 days) left before I can retire with 30 years of service, so I am determined to get there if I possibly can.

I hope it didn't sound as if I was making light of having to go on disability. Just that so many people think that you can simply keep working until you "decide" to collect, then it's just as easy as 1-2-3.

I've heard so many horror stories of what folks have had to go through to get approved--doctors who won't cooperate, paperwork and red tape, waiting through months of no or little income, feeling frustrated and anxious, and then not always getting approved despite OBVIOUS disability.

I'm glad it's there in case I DO need to apply, but...I hope I don't.