Solution
I see so many people jumped so fast at this one....

Easy to guess, not many people have attempted this simulation.
I found a way to make ice on wings to appear and disappear, tricking it with a tigger action in 3ds max, using the Spoiler trigger.
In3 3ds max, I duplicated just the leading edge of wing (this is where ice forms), just the front face....then I wrickled the surface using modifier tools...bend and also, just pulling and pushing verticies...just to simulate non-uniform ice shape.
Scale this down a little, move it just under the wing surface so you cannot see it.
At this point, set up your animation tags....0-100. Animate this ice surface to slowing move outward, so it looks like ice forming, or appearing.
Now using Animation Dialog, in the animation list, I am using l_spoiler_key and r_spoiler key. (get creative depending on what plane)
Export
In Prepar3d, using the trigger key of /, for spoiler....the ice comes out of the wing slowly, looking like ice forming, hit / again and the ice melts away!!!
Oh this is a suuuuuweeet trick to the effects!
Hope this helps anyone out there.
Rich