After being off work since oct. unum has finally appoved me for disabilty payments. they gave me a check paid back to oct. and now receiving payments every month. what a relief - answer to my prayers. one of them at least! have applied for ssi and they want me to see phy. for mental eval. to access my depression. Do they think we wouldn't be depressed in our state? Just wanted to pass this along dont give up to those out there still seeking help! After having fms and what we have to deal with day to day then have to fight for any help!