After I posted my thanks for the help about the SSDI, I received a lot of mail asking what the answer to my questions was. The replies were sent directly to me, and not posted to the list. But what everyone told me was that your only on the SSDI if a claimed was filed against your number, or if someone told SS that you died. One list member sent me this web site that was helpful: http://www.lineages.com/FirstSteps/AboutSSDI.asp Thanks again, Donna