Kim had disability through her employer. It nets with SS so she doesn't collect very much. Mostly, you need to read the fine print. Disability payments are reduced if you get social security. I suppose it's double dipping to get both, but it's not very clear how disability insurance is marketed. You think they are going to be responsible for a certain benefit and you find otu later that most of that benefit was premised on social security that you would have gotten anyway. Given all this, I still have a pretty good LTD policy that I put in place for myslef. If you are a CPA, you'd be crazy not to buy the life and disability policies you can get through institute membership.
Kim has been ordered to have a disability review. The last time she had a nasty experience in which the carrier sent a car to pick her up and she was dropped of at a residential house. The neuro was a contract doctor working out of his basement. She found the entire experinece unprofessional. The doctor did agree that Kim was disabled, however, it was anxioty inducing.
It would be really nice to be able to put links in here
If I have included a bad link, google the word "Scholar", click link for "Google Scholar". Search for the name of the paper and author in Google Scholar.