I have been dealing with the income protection scheme from the AOA for just under ten years. I still have to fill in numerous forms every month but I seem to have got the hang of it now. At least I do get paid. Please guys take out income protection !!! You just never know when something might happen. Sport etc I know it's expensive but shop around and at least you'll have peace of mind.
One last thought. Don't take all this headache within too seriously as when you finish and look back at those years, you'll soon realize that it was really insignificant. Go out and enjoy the good bits !!!