Case-insensitive matches on fulltext search problem

Trying to perform a search using fulltext on a mysql 4.x database and php.
The collation of the database is latin1_sweedish_ci
the query is:
$query = $_POST["query"];

$SQL = "SELECT * FROM claims where MATCH(IA,claim_no,id,assigned_by,claims_rep,insurance_company,claimant_name,claimant_city,claimant_state,claimant_zip,insured_name,insured_city,insured_zip,vechicle_year,vechicle_make,vechicle_model,vechicle_plate_id) against ('+ " . $query . "' IN BOOLEAN MODE)";

Database:
mysql> show create table claims\G;
*************************** 1. row ***************************
       Table: claims
Create Table: CREATE TABLE `claims` (
  `id` int(11) NOT NULL auto_increment,
  `status` enum('pending','complete') NOT NULL default 'pending',
  `date_received` datetime NOT NULL default '0000-00-00 00:00:00',
  `date_loss` datetime NOT NULL default '0000-00-00 00:00:00',
  `IA` varchar(64) NOT NULL default '',
  `claim_no` varchar(32) NOT NULL default '0',
  `assigned_by` varchar(64) NOT NULL default '',
  `claims_rep` varchar(64) NOT NULL default '',
  `insurance_phone` varchar(16) NOT NULL default '',
  `insurance_company` varchar(64) NOT NULL default '',
  `claims_rep_email` varchar(32) NOT NULL default '',
  `claims_rep_phone` varchar(16) NOT NULL default '',
  `claimant_name` varchar(64) NOT NULL default '',
  `claimant_business_phone` varchar(16) NOT NULL default '',
  `claimant_home_phone` varchar(16) NOT NULL default '',
  `claimant_address` varchar(128) NOT NULL default '',
  `claimant_city` varchar(32) NOT NULL default '',
  `claimant_state` varchar(32) NOT NULL default '',
  `claimant_zip` varchar(10) NOT NULL default '0',
  `IVCV` varchar(8) NOT NULL default '',
  `vechicle_year` varchar(4) NOT NULL default '0',
  `vechicle_make` varchar(16) NOT NULL default '',
  `vechicle_model` varchar(16) NOT NULL default '',
  `VIN` varchar(64) NOT NULL default '',
  `vechicle_location` text NOT NULL,
  `vechicle_plate_id` varchar(16) NOT NULL default '',
  `vechicle_loss_detail` text NOT NULL,
  `vechicle_special_instructions` text NOT NULL,
  `deductable` varchar(16) NOT NULL default '',
  `insured_name` varchar(64) NOT NULL default '',
  `insured_business_phone` varchar(16) NOT NULL default '',
  `insured_home_phone` varchar(16) NOT NULL default '',
  `insured_address` varchar(128) NOT NULL default '',
  `insured_city` varchar(32) NOT NULL default '',
  `insured_state` varchar(32) NOT NULL default '',
  `insured_zip` varchar(10) NOT NULL default '0',
  `description` varchar(128) NOT NULL default '',
  PRIMARY KEY  (`id`),
  FULLTEXT KEY `id` (`claim_no`,`IA`,`assigned_by`,`claims_rep`,`claimant_name`,`vechicle_year`,`vechicle_make`,`vechicle_model`,`VIN`,`vechicle_plate_id`,`insured_name`)
) ENGINE=MyISAM DEFAULT CHARSET=latin1 AVG_ROW_LENGTH=428 ROW_FORMAT=DYNAMIC
1 row in set (0.00 sec)


Now, when i perform a search, its only returing case-sensitive matches.. i am wanting it to return case-insensitive matches. From what I have read, with my current collation, default is case-insensitive matches but its not that way...

I am soo lost as to why it wont return case-insensitive matches.