I am keeping up with all the posts. I have just printed material off the aarp site that was posted here. It looks like some of our papers need to be updated. We will do that asap. Also forwarding this same info to our son. He may need to do the same for his family. We spoke with last night and I said I wonder what has set me on to this....his reply was right on" well mom you do like to keep things organized" then he laughed at me. He is right, I DO organize things..for me.. :oops: :thumbup: Mabe theis info will be of use to other members?