I've had Group LTD insurance thru my employer since 9/08. Work-related health issues began in 2/10 but I continued to work intermittently with ADA accommodations & SPF (FMLA) leave until 11/30/10 when I took a leave of absence without pay or benefits. I filed a claim with Prudential on 1/6/2011. In addition to all the required forms & documents submitted by my employer, PCP & therapist, I faxed them a MOUNTAIN of supporting medical documents verifying I have narcolepsy, sleep apnea, degenerative disk disease, migraines, hypothyroidism... read full review »