I thought I had such a strong case. I'm receiving SSD, and my private LTD Insurance had been paying me for the past 5 years. They abruptly stopped payments after reviewing my file based on the fact that it is a self reported disability with no proof. I've been fighting an appeal for the past 2 months. My doctor who specializes in CFS wrote a great letter telling them how incapacitated I am. But, they had my file reviewed again by an "Independant Consultant" who is a rheumatologist. She claims that since I have no swelling or redness on my body, I am not sick. So they declined me. I wonder what would happen if (theoratically) I would start working full time at my previous job which they claim I can do with no problem, (I'm in bed most of the time with intermitant good days where I can go for a short walk) and I would surely regress to a much worse state, would they take the liability of my condition worsening? How could they since they don't think I am sick to begin with. I'm sorry for sounding so cinical, but I need some venting!