Determining a contact condition between read-write head and accessed disk surface inside hard disk drive, where micro-actuator assembly mechanically couples to slider and electrically interacts through signal path. Signal path sensed, creating sensed feedback signal, used to determine contact condition, which indicates when read-write head is, or is not, in contact with accessed disk surface. Means for implementing this process. Contact condition is product of process. The process may respond to contact condition, altering read-write head flying height. Process may be implemented as operations of embedded control system and/or servo controller. Method of predictive failure analysis using the contact condition to estimate performance parameter and create performance degradation warning. Manufacture process collecting contact condition to partly create reliability estimate of the hard disk drive, which may be form of Mean Time to Failure. Manufacturing may further include screening the hard disk drive based upon the reliability estimate.