I finally finished my tax return on Saturday.... it's going to be more complex next year & the year to follow. Phew/whew Between husband getting & keeping a good paying position over the last 3 years; the tax credit we got for adopting special needs kids (who knew?) & medical expenses I'll be getting a hefty refund this year. Enough to pay almost all of this years mortgage payments. I'm in the process of applying for disability (have an appointment with SSA next Monday); husband has some survivor benefits for the kids & possibly myself. If I receive survivor benefits than it would be because it pays more than disability (I can't & shouldn't have both). Given all that, it's a blessing this is coming thru. I can hold onto the life insurance as long as possible as it has to last another who knows how many years. Who knows if I'll be able to return to work ~ seems unlikely though I'd love to get back into my career.