I have posted before and from the responses from that post, I am more confused. I am currently on LTD for depression, agoraphobia, hypertension and FM. MY LTD company, Disability RMS, requested that I file for SSD and that the company I worked for hired The Social Security Law Group to help employees file for SSD. I have filled out all the papers and then sent them to SSLG and they forward to my state (IN) SSD. I called Disability RMS today and asked if I am awarded SSD would it be for all my illnesses or is there a primary and secondary illness that SSD is awarded for? They told me it would be for all the illnesses that I have filed for. I then asked them about my FM dx. They told me it is still under review. I asked for what. They said for determining if I will receive LTD benefits for 2 years (mental disability) or 4 years (medical disability). I am really confused. If I am awarded SSD, isn't it for all illnesses? Can a LTD company deny my LTD medical benefits of 4 years if they don't find I am impaired enough to receive it? Any help will be greatly appreciated. Thank you.