Does this kick in 18 months after you first receive your award or is the 6 months waiting period included in it? My doctor has been wanting blood work, kidney and liver scans and she also wants to see what is still left of my non working pancreas. Last estimate was 10% and it was still destroying itself. Just wondered, I know I can`t pay for this stuff and a clinic we have wasn`t much help. Well, if I had an extra 50k laying around I would. And this is a clinic that is supposed to help people with little to no income and no insurance. Uh huh...