I found out last week that my LTD Appeal was denied. I knew that the decision was pending and that I should have an answer shortly before XMAS. When I didn't hear anything I started emailing my attorney who I found on the Yahoo Disinissues group site. You can imagine how antsy I was. I had a high paying salary and paid into a really good LTD policy and they cut me off with no warning last April at the 2 yr mark. They had me under video surveillance for 2 weeks and I left the house once during that time to go to the doctor, the ATM machine to deposit a check and stopped at the grocery store for some grub. They said if I was able to do those things that I could work. Then they sent the video and their interpretation of it and sent it to every doctor I've seen in the last 2 yrs asking if after viewing it if they thought I was so disabled I couldn't work. They got a bite from my podiatrist who said I may be able to do sedentary work and walla! That's all they needed to deny my claim. The attorney said I had a really good case. I had 5 letters from doctors that said I was disabled. The last was a physical capacity evaluation completed by a Rhuematologist. I won my SSD case in June. And the video shows me limping and using a cane and never lifting any groceries. So over the Holiday I went into an old email account that I haven't used for 6 months and there was the email from my attorney saying that my case was denied on Dec 11. I don't rate a phone call, perhaps a letter? They suddenly forgot my current email address? Here it is Jan 7 and I still have not talked to them in person. They are avoiding me like I have the plague. Today I received my case file in a large box from Fed Ex with a letter saying that they have decided not to litigate the denial because I can't afford them. The appeal they did was on contingency. If I won they would take half of my monthly payments. Since I lost, there is no incentive for them. Because I can't work and I'm poor I guess I can't fight this. I'm pretty down. Any suggestions?