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Thank you for the response. I have no illusions about trying to solve my problem here. I merely sought guidance as to if I had a leg to stand on or were screwed. The insurance company in question would love nothing better than to not have to pay me till I'm 65. As I stated above, this issue...

Years ago I purchased a long term disability policy through my work. 2 years ago, I suffered a back injury and had my 4th and hopefully last back surgery and was diagnosed as permanently disabled by my neurosurgeon who has over 30 years experience. After 6 months, I filed a claim on this...