Has anyone had any experience with LTD from Security Mutual Life Insurance Company? They did approve my LTD claim a few months ago, but I am wondering how long it is going to last even if I remain disabled. My policy says that as long as I remain disabled, my benefits will continue until age 67 unless my disability is due to "mental illness, alcoholism, or drug abuse", then they only last 24 months. The cause of my disability is the impairments of CFIDS. That is what my doctors put on my claim forms, but I have been treated for anxiety and depression since about a year after my CFIDS symptoms started because I couldn't understand what was happening to my brain power. My doctors and I both know that coping with the effects of CFIDS was the cause of those mental issues, and the mental issues are not the reason I am disabled. They were under control months before I became disabled. When they were reviewing my claim they requested permission to investigate my psychiatric records, so I know they know about the mental issues. My question is: Can they still terminate my benefits after 2 years just because I have been treated for anxiety/depression even if that is not the cause of my disability? I have thought about calling and asking them but I don't know if I should. I have a feeling they wouldn't tell me anyway. They have never returned my calls when I have had other questions. Thanks for the help!