Hi, sorry I did not get back to you sooner. I have been paying into my STD and LTD for quite a few years. In the last 3 years, I have been off work three weeks to three months at a time then return to work. I was able to get FMLA (Family Leave) and when that finished they would go to STD. But I always went back to work. This year in March I just couldn't do it anymore, so I went to my doctor and told them I was getting a mental breakdown because of all the pain and fatique. I started with my primary doctor and she put me on a one month leave and would evaulate me at the end of that month. Each month she has continued my leave. From March 24 till today I have been on STD, I have visited specialists which included Physical Medicine doctors, Nurosurgeon, Orthapedicsurgeon, Pychiciatrists, have taken soooo many medication to help with the depression and pain from FM. My STD stops at 6 months and that is 9/22/08. I received my LTD froms on 8/14 and submitted to my LTD insurance and Kaiser to fill out. It is pending right now and if it goes through, it will take effect on 9/24/08. I have been very lucky that I have not had any pay loss so far. I will be sumitting paperwork for SSDI soon. I don't know if this helped, but the LTD insurance did pretty much everything. The main thing they wanted was the diagnoses, how many times I went to see a doctor. At one point they sent me to their doctor. I hope this helps. Let me know if I answered your questions. I hope you can get the help you need. Let me know what happens. PatDlt.