Hello everyone,

I just found out it is better to double space these these!

Has anyone else had trouble getting long term disability for their injury?

I submitted paperwork for employer-paid LTD and even with the

Neuropsychologist's recommendation of " at least one year minimum of

unemployment due to moderate to severe cognitive deficits" this insurance

wants more proof by taking a Functional Capacity Exam.

It always seems like they want more and more proof, as if you are

suspected of lying about a head injury, and must prove it every way they

can think of. Even if you are arrested for a crime, your innocent until

proven guilty... guess just the opposite with this, huh?

It's 2 weeks shy of one year from the initail injury, and I've had NO source

of income to contribute to my family since losing my job ( almost 20 year

medical career), and I feel nearly useless. The disability is the only way I

can help us financially right now, but always something stops the process.

Just airing some frustration with this mess. Feels like 1 step forward,

2 stepes back. Your thoughts? Thanks in advance