Calling financial gurus…

InfoRxMed poses a tough question on my Careers for Boomers and 50 Plus group. I’m looking for resources to answer this dilemma. If you have expertise, please comment — either here, on the Gen Plus blog (genplus.blogspot.com) or to the topic:

http://community.eons.com/groups/topic/1533-Has-anyone-reached-their-6-s-and-had-to-take-LTD-

Here is the question:

Has anyone reached their 60s and had to take LTD/long-term disability? How did they manage thereafter. The plan I have awards me about $82,500 free of Federal and local State tax. I do also have 401K & IRA investments but would prefer not touching them for about 5 years so as to allow them to grow and get nearer to that amount the gurus say I should have saved at 63 y/o ( but didn’t.)