Filed for adding sleep apnea on March, 13, 2013 thru Ebenefit and my claim sent to Seatlle, WA. I had my proposal rating on March 2013 with defered sleep apnea since they didn't have evidence and it is not finalized yet. I sent all evidence such as sleep study CPAP machine prescription,.... whwn I applied as mentioned. My claim was at "UNDER REVIEW" since then, but suddenly today it went to "GATHERING EVIDENCE". Ebennies lists a "5103 Waiver Review" being required and due on July 10, 2013. Can anybody help me with info on the 5103 Waiver Review?