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I went through the process of Disabilty 7 years ago, they denied 4 claims but put them in my records at 0% the other 5 after the funny math came out to 42.5 % so 40 % of my retirement is tax free.
Being they can't locate my records I have no way nor no ability to prove other items sadly.
I had an advocate but during covid that killed all steam and I have not had time to start the process all over again. So for now the win.
Having copies of your MTF records is the key factor.
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