Private LTD is notorious for denying you and making it as hard as possible for you. That is their whole mission in life! They really want you to give up and go away -- don't let them win!!!
Please consider getting a disability attorney -- one who has experience with the insurance companies is best. The one I found (it does take a lot of digging, these are NOT the regular SSD guys) even used to work on the insurance side of things and really knew his stuff. As silly as it seems, a letter from me got no results, but the identical letter from him got things going right away.
At his suggestion I got a neuropsych exam that really proved to everyone, SSD included, that the "brain fog" I had really was serious cognitive dysfunction...and that got all the disability folks to shut up and send me money!!
You'll know you have the right attorney when they tell you what percentage of what they collect they will take -- it's usually a somewhat small percentage of the "back payments" they manage to collect for you -- it is well worth twice that in my opinion!!! Mine took about
3 years, so do not give up! And do not hire anyone who wants to do per hour or something -- those are the shysters.
Lynnwood, Lupus & Sjogren's ModeratorDIAGNOSING-LUPUS & LUPUS-RESOURCES
"Life is far too important to be taken seriously" - Oscar Wilde