I am a therapist and was diagnosed with CFS & FM in 98 at the age of 35. I have worked since I was 16 and worked at least part time even through 5 years of college. When I received my letter turning me down, I responded with a letter to wit: I replied that the governing board making the decisions as to approval or denial was not fully medically staffed. I supplied them with all the medications (10) at that time that I was taking, along with copies of the pharmacy side effects. With being a therapist other patients depended on me being able to perform my job safely. I informend them that them that after confering with my attorney, the decision was that I was being discriminated against due to my age. My work records through social security proved that I had a life long employment history and was fully aware of my rights and looked forward to seeing the panel in court. I received a response the next month informing me that I was approved and would be receiving back pay. If you are turned down, it is most likely the norm to turn everyone down the first time. Make sure you let them know you are fully aware of your medical situation, medical side effects of the medicines you are taking and the nedglect you would be placing anyone in should you try to perform work under such medications. I asked them myself.... if one of the panel members could perform their sit down jobs under the medications I was currently taking. I guess it hit home and they knew I was serious and prepared ahead of time as to their denial. If you provide all the information to start with and present in a manner that shows them you have researched your rights, likely hood of you receiving benefits will be greater.