[lu ann]

I was a stay at home mom for most of the past 22 years so I do not have enough credits to file for disability benefits. A friend of mine was in the same situation. She does not have breast cancer, but has an allergy to artificial light and sunlight. She lives in the dark, only going out for church on Sunday, medical appts., and special occasions. Imagine having to live like that. She became a widow and was eligable to apply for widows benefits. She was denied the first time she applied. The second time she won and was awarded a monthly check, health benefits, and retroactive payment for all but the first 6 month waiting period. This could not have come at a better time as she depleted all her husbands life insurance and was living off of credit cards. She was also paying 500.00 per month for Kaiser medical insurance. If there is anyone out there who is in the above situation, you might be entitled benefits. The only way I can get disability benefits is if my husband dies. He is 3 1/2 years older then me and he will have to continue working for health insurance until I am eligable for medicare. Many Blessings to all of you. Lu Ann