[tousled1]

Sheila,

The same thing happened to me with the company I worked for. I had been on short term disability and then went to long term disability. One of the requirements was that once you were on long term for 90 days you had to apply for social security disability. I applied and I was fortunate that I was approved for social security disability. Upon that, I then had to pay back some money to the insurance carrier that my employer had for long term disability. I then went on disability retirement and I now get my social security disability and my retirement benefit. One thing with social security disability is that you don't get paid for the first 6 months that you are disabled. I don't know why but you don't -- sort of like a waiting period I guess.