I'm now part of the group who has filed for disability both SSDI and private LTD. My first denial came from the private LTD insurer. I haven't heard from SS yet but rom what I'm reding that'll be a denail too. I've been yelling at my husband for two days now and he's running out of patience with me. I think I might go back to smoking. In reading the posts here it appears there are some states where it's easier to get a claim approved. Does anyone know which state those are? What the procedure is to file in a different state. Also, does anyone know of a good lawyer who handles PRIVATE disabbility insurance denials? Apparently that requires a different process with ERISA and those lawyers charge 1/3 of ALL recovery. Whew but that's still better then worrying about where any mponey will come from.