i share a similar dilemma re insurance ,--if i was better then my money would stop, i'd facing the stress of finding work,assuming i'd even get one with my poor health record ,employers have a longer memory than i do. i'd be faced with being virtually unemployable with not a lot of money. it is societies crime not ours.if i was well i'd be working -simple as that . i wouldn't put myself through the indignity of medical reviews ,the sign of a civilised society is how it treats its disadvantaged nuff said