I think you may run into trouble by assuming that what happens to other people will somehow happen to you. Just as initial approval varies greatly, its likely that there is a bit of variance in recertification, too. I am in my early 30's and I was given a 5-7 review period with recovery not expected. I say this last bit as it is in contrast to your reply with a number of assumptions made as to who gets what sort of recertification period. (I was initially approved in my 20's)