In response to all of the comments about availability showing on DL.com and agents not granting, I'm pretty sure they 100% in the wrong because they just don't know the new rules. If we have a hard time getting our head around the new complexity and care so much to try to understand since they are OUR hard earned benefits, how much harder is it for these agents to understand. They have made it too complex. It has RM fingerprints all over it..."Let's make this reportable and tiered and not think about the ability for agents to reasonably follow a rocket science manual to reissue it"