SBGuy - totally understand - vent! Erisa laws are completely not fair - that they can withold our payments for years and make us sue, then when we are repaid nothing but missed monthly payments if we win is absurd....

And, all you are going thru and as Fanfair says - besides being completely being unfair - is incredibly stressful, draining, and just contributes to our illness... I have a yearly review - and it gets worse every time - more tricks - more abuse - more harrassment to the docs so they dont want to cooperate... I cant even think about adequate medical care and treatments because I'm so busy fighting these paperwork battles.... (the last review in fact cost me two doctors).... we have no choice but to fight back - or literally become homeless.... (and yes, when I think of all the taxes I paid that were eagerly taken, LTD bought in good faith, and now the complete lack of support from any arenas it is so infuriating...)

Just know you are not alone - and that while there isnt other financial support out there yet that I've found except SSDI, which is minimal - there are people who understand and care - so keep posting....

Hang in there.....