I think that i am in a good spot, I have never worried about medical exams or surveilance -I rarely leave my bed, let alone the house. My condition will not kill me before 65, but will take many comforts away. I also receive Social Security and just had my Cert. Disability Review and they stopped it in the middle of the review, due to my condition. A lump sum settlement would be nice, but I am not in any hurry to make a decision. And I need to speak with an Atty. I am on UNUMs Catostrophic Benefits and only report on my own annually, I no longer need any documentation from my doctor. Thanks for the good information.
By the way, I read your other question about the taxability - I generally don't want to stick my neck out and give an opinion about tax issues, but I will tell you this, settling a claim never changes something's taxable nature. If it was taxable before, it's taxable after. If it was not taxed before, it's not taxed after.