ahimsa
ahimsa_pdx on twitter
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I'm not sure what ERISA is but am sure I will find out.
If you have long term disability (LTD) insurance coverage through your employer then your LTD claim is most probably covered by ERISA laws. I'll try to keep this short. Detailed questions probably should be posted in the forum about disability claims.
The most important thing to know is to talk with an attorney who knows about ERISA LTD claims, even if only for a one hour consultation, *before* your LTD claim gets denied. The details are complicated (it has to do with what evidence can be put into the administrative record after a denial -- hope I remembered the right terms) but trust me on this.
Insurance companies (and the "claims management" firms hired by corporations who are self-insured) are very good at exploiting all the legal technicalities in ERISA laws to deny LTD claims. Or sometimes the claim is approved under the category of mental illness (depression) so they only have to pay for 1 or 2 years (usually there's an exclusion in LTD insurance for mental illness).
You can hire a lawyer at an hourly rate (very expensive) or look for someone willing to work on contingency (they take a percentage of your claim). The percentage they want may seem high but I will tell you that statistics show that ERISA LTD cases, even non-ME/CFS claims, are very hard to win.
Getting LTD benefits from social security is a piece of cake compared to fighting an ERISA LTD claim. And we all know that even the social security process can be difficult.
I don't know why this happened to me, or why it happens at all, or any details. Sorry!... you said you could feel the Midodrine dose wearing off and during that time period you felt worse until you took the next dose. I am not having that experience so far and wonder why?