The very thought of being forced on permanent disablity scares the living hell out of me, seen and heard too many horror stories. The standard policy of "no accommondations" appears to be a loophole for any company to get rid of it's aging, hurting workforce. If anybody that has worked anytime with the work requirements and standards at UPS can testify making it to a full retirement without something going physically wrong is slowly becoming a pipe dream. That is why it is so important to have the option of at least a 25 and out early retirement package in place, being forced to work to age 60 and older would be bordering on abuse. If this problem is not fixed the only winners will be the disability attorneys.