John I started off on short term disability, I had to really fight with them to get them to put me over on long term disability, the place I worked told me if I didn't like it I could quit,( they would have really liked that. then I would have lost everything), I told them if they won't let me work, and they won't put me on long term disability then fire me, so at least I can get unemployment till or if I could find something, they said they couldn't fire me because of me becoming disabled. They finally got me put me on long term disability, and soon afterwards the insurance company hired lawyers to represent me to get me on Social Security disability, it took 3 years, my Lawyer said I had an excellent case and well documented, but at the time my age, I was considered to young, so SS kept turning me down. But my lawyer said this was common practice for them, and just be patient, after two full hearings the Judge ruled in my favor and it was all back dated to the beginning. Most of it went back to the insurance company, as they had been paying me long term disability all that time. And what ever SS disability pays out to you, the insurance company doesn't have to pay you. So it is in your long term disability insurance companies interest to have you on SS disability! At least that is how it worked for me, but that has been a number of years ago now! I do know how frustrating this all can be!
Good Luck to You
I'm Retired USAF, went back to school and became an RN, and now am on full disability!
Degenerative Disc (affecting mostly the thorasic disc but all levels involved), C6/7 laminectomy/diskectomy& fusion, Osteoarthritis, Ulcerative colitis, Chronic Pain, Fibromyalgia, Complex Sleep Apnea, and host of other things to spice up my life!(NOT!)
Medications: Oxycontin, Percocet, Baclofen, Sulfasalazine, Metoprolol, Folic Acid, Supplemental O2 at 3lpm with VPAP Adapt SV