Long story short I have been off work now for 6 months on short term disability. I finally hit a wall at work and couldn't go on...toxic environment, etc. Anyhow I just got informed on Friday that my application for long term has been denied. My psychologist forgot to mention my depression so the insurance company has decided I can go back to work. I can't. I wouldn't survive mentally. I am appealing the decision but I also learned that although my benefits will carry on while the appeal happens I am not going to get paid. Nothing NADDA.... and the appeal could take up to six months. So I had a major melt down on Friday. My DH is also going thru things with his former employer so I am not trying to burden him with my stuff. It will be very lean for us now...we went from both having well paid jobs to my DH getting just over min. wage part time. We are not bad people...I just don't understand why this is happening to us.... Sorry I just needed to vent....