When I was denied my Long Term Disability, I asked them (Prudential Insurance) what %of FM clams are approved and they said they did not have to give me this information. I just wanted to know what I was up against. After all if it was 0 then I knew I was wasting my time. Has anyone else asked their LTD carrier this question and if so did they answer? I have email letter to all of my government officials and have had several responses including a phone call. What they told me was to get the media involved. Write letters to the newspaper and anyone else that will listen. Letting others know how difficult LTD benefits are to get will be helpful in others deciding wheather the want to keep or drop their policies. He said that every time a new law is written that would help (making the insurances compaines accountable for their actions), the insurance lobbist take over to get it defeated. I told him I did not have the strength to keep fighting. Writing one letter and emailing to everyone required all the energy that I had.