William C. and Elaine Gaskins - Page 20

                                                 - 20 -                                                    
            disability benefits. On May 13, 1983, Mr. Gaskins was granted                                  
            benefits fora period of disability from July 3, 1981, through                                  
            December 30,1982. After his 1984 accident in the coal mine, Mr.                                
            Gaskins appealed the cessation of his benefits. On August 5,                                   
            1986, the Social Security Administration issued its decision                                   
            that Mr. Gaskins had continued to be disabled since 1982. In                                   
            October of 1986, Mr. Gaskins received a lump-sum payment of                                    
            $17,282.88 of retroactive Social Security disability income.                                   
            Mrs. Gaskins received two checks in the amounts of $2,032.50 and                               
            $4,065 as retroactive payments herself and for her children,                                   
            respectively. Mr. Gaskins used his lump-sum award towards the                                  
            mortgages to avert the threatened foreclosures on the family                                   
            home. Beginning in October of 1986, the family received monthly                                
            Social Security income of $693, from which $15.50 in medical                                   
            insurance premiums was deducted. The family continues to receive                               
            Social Security income in the amount of $1,078 monthly for the                                 
            benefit of the Gaskins and their daughter, Sharon.                                             
                   Mr. Gaskins also received Workers' Compensation as a                                    
            result of his mining accident. On July 11, 1986, Mr. Gaskins                                   
            requested that his Workers' Compensation benefits be commuted to                               
            enable him to pay the second mortgage and prevent foreclosure on                               
            the home. In December-of 1986, a lump-sum payment of $74,000 was                               
            approved, from which $7,500-in attorney fees was deducted. Some                                
            of the remaining funds were used to pay off the second mortgage,                               
            taxes, and other past due bills.                                                               




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