Took 9 longs months, lot of paperwork and letters, and yes a lot of research. But at least for the next 18 months I'll have my old income back. In January will start the entire process over with SSDI: Does anyone know if already having private disability approval makes getting SSDI easier. Hopefully they'll compare notes or something. My policy says they will handle appeals for me if needed, and until the 18 months are up will make up the difference between SSDI and my private policy (SSDI will be lower). I also bought the NOLO book on Getting and Keeping Social Security Disabilty. Wrote my LTD a letter based on info I gained from that book and whoopie, 4 days after they got the letter I got the approval. I don't think it was happenstance. (Of course, retroactive payment is coming). Thanks to this group for tips and insights. Newbies, there is a lot of good stuff in these pages if you don't get too bogged down in the daily bla-blas. Good luck to everyone else fighting the battle.