Hello. None of the attorneys on this site can represent you privately -- however, I can give you some advice.
You should speak with a few attorneys regarding applying for social security disability payments immediately and then wait a few months after you have filed the social security disability claim and re-file the claim for the long term disability benefits. If your medical conditions are bad enough and the conditions are expected to keep you out of work for a year or more, then you are entitled to apply for and collect social security benefits -- and when you get those benefits, the long term disability provider usually has not choice but to fall in line behind what social security decides because the LTD insurer then puts itself out there as discriminating against you for the very disability that you are applying for. You should try one of the national law firms that handle social security disability and LTD claims -- like Binder & Binder (you can find them on the internet) -- these are the only claims that this firm focuses on and they have affiliates all over the country.
In the meantime, while you are trying to sort out getting some money into your household, you should try to see if you can get the opinions of 2 or 3 more Neurologists regarding how bad your condition is and that it keeps you from returning to work. If your disciplinary issues were so bad then why didn't they fire you while you were working? Probably because they were afraid that you would bring a claim of disability discrimination against them for wrongful termination.
Also check in with your state's insurance commissioner / division of insurance. There are many of these LTD companies that are being reprimanded by the state governments and being sued privately in class action lawsuits for the wrongful denial of disability claims -- the insurance commissioner's office in your state can let you know if this LTD insurer has issues and problems in the past with refusing to pay legitimate claims and they can probably give you the names of a few law firms that are handling such class action claims. Sokolove Law is one law firm that fights wrongful denials of LTD benefits AND wrongful denials of social security benefits -- here is an internet link to their website so you can check them out -- http://www.sokolovelaw.com/legal-help/disability-insurance-lawyer/long-term-disability-denial/
I think with some perseverance and pushing on your part you will get the LTD benefits and eventually social security disability benefits also.
Please press the GREEN ACCEPT BUTTON so I will be paid for my time. I AM PAID NOTHING UNLESS YOU PRESS THE ACCEPT BUTTON -- I am a single mother and have been hurt badly by this recession just like the rest of the US and I cannot afford to do this for "free" -- if you do not press ACCEPT, I am never paid anything by Just Answer and that would be very unfair for my customers to not honor the honor system and neglect to press ACCEPT.
If nothing else, I do believe that you will have luck with Sokolove Law (my own sister had great luck with them).
THANK YOU !!
Edited by Mary M., Esquire on 2/25/2011 at 3:26 AM EST