I've applied for my private disability coverage almost six months ago. After six months of extensions, unreturned phone calls, additional requests from records, I've nearly reached the point of bankruptcy and psychological breakdown. I've been bed bound most of the summer and am still confined to my home on most days. My tests showed very high titer of IgM EBV virus so I have chronic active mono and diagnosis of CFS from a physician that specializes in the disease. I also have POTS, autoimmune thyroiditis, hypothalamic dysfunction, anxiety and depression. My occupation (ironically) was hospital physician - which is too strenuous and exhausting even for most healthy people - and the insurance is specifically meant to cover me if I can't perform my own occupation (not just any occupation). According to CDC website high EBV IgM titer is consistent with diagnosis of medically disabling CSF. Yet despite all that, today I got a call from them saying that their physician has (finally!) reviewed my records and found no evidence of disabling condition. I guess at this point all I can do is get a second mortgage on my house, borrow money from family and appeal... I'm hoping to hear about other people's stories about how they handled their group or private disability applications, the success rates of appeal, any advice on what I can do to improve my chances, or any moral support would be greatly appreciated.