I got a letter yesterday from Social Security telling me that they have denied my second application for disability benefits. I first applied in November 2005, requested a reconsideration, was denied, requested a hearing, had a hearing before the ALJ in January 2008, was denied. That file is currently with the Appeals Council in the State of Virginia. I reapplied for benefits in July, 2008, and received a letter yesterday denying my application. Anyway, I was SO GLAD I got the letter in 2008 as 2008 was an awful, awful year for me. Perhaps 2009 will be better. To prepare for this denial, my husband and I refinanced our house for another 30 years so, basically, we will never pay it off. But at least we can afford to stay here, for now. At this point in my life, 53 years old, I will presume I won't get Social Security until I retire. Oh, well, I guess life is not fair. I try to count my blessings. I have the most wonderful husband in the world, I have two beautiful daughters, and six grandchildren with another one due any day now. I have been blessed in so many ways, if I don't receive my financial entitlements, oh, well.... I hit the jackpot with LOVE! Blessings to you all for the new year! Janice P.