I am now in the "club". My LTD company just denied me benefits after paying me for the initial 3 year-period. I guess they think I can work now, work being earning $8.00 an hour for 40 hours a week or $16.00 an hour for 20 hours a week. They even told my doctor that they video-taped me having lunch at a restaurant and grocery shopping. Now, please keep in mind, the only time I get to eat at a restaurant is sometimes on the way home from the doctor or other essential appointment, my husband treats me to a quick fast food lunch. That's it. Maybe once or twice a year. And, sometimes, I am able to do a little grocery shopping or recreational shopping. Once a week, if I'm lucky, for an hour or so. I really thought I would be different from the other posters on this site. I thought that I would do all the honest and appropriate things and I would get what I was entitled to receive. No such "luck". My first Social Security application was denied and is on appeal with the appeals council in the State of Virginia. My second application is pending. I am very frustrated! I am tapping into my 401K and that will last me another 6 months or so. Then we will get into my husband's 401K. Then I don't know... Our 401K's have lost almost half, not the best time to sell our house, not too many jobs out there....... Curses!