I'd be interested to know what Insurance Company you are talking about Nonnie. I am like you Leonie in that I work for the SA Government (Part-time) and have government superannuation that has an income protection component to it. Our income protection has an 18 month life span per claim, then you have to have a 2 year break before you can put in a further claim. As I claimed with early breast cancer (which expired in 2010), I cant put in another claim until early April 2012. I also have the option of applying for TPD lump sum payment, but at this stage I'm not sure what I'm going to do...all depends on the treatment and how things go. Also, I am only 43, and to resign from a permanent govt job is a big decision for me particularly as I am a sole parent. Oh the joys of BC...it affects every part of our lives and its just not fair! Take care Celeste x