New York Life denied and said they needed more medical info … wow

I was approved for STD by New York Life. It is alot of work, they are very slow etc… Now my STD ends in a few days and LTD called. Stated I was sent New York Life packet for LTD by certified mail which I have yet to rcv… I go a quick email that LTD was not approved based on the STD notes. I hurt my dominate hand at home and got severe synovitis, tendon sheath snapping etc, but while employeed full time. My knees have either osteo or RA. I have fibromyalgia, TMJ, etc, etc I am in a wrist brace, knee brace, test are still pending… like MRI etc I have been diagnosed with CRPS in wrist. I can barely walk/stand because of knees and in addition have severe bilateral feet problems. (Morton’s, metatarsalgia, tarsal tunnel etc) I am out of the bed daily but barely. Only really able to get up to eat… Pain is all over and ranges from 2 to 10. Steroid injections help some but are temporary. I have worked over 30 years, long hours standing on feet without rest or even breaks in many cases. Now New York Life denies and said they need more medical… wow… also what do you mean ERISA filing deadlines… is this the 180 days after denial? Employer sending forms for me to fill out. Request for accommodation… with deadline very soon! If I can’t return to work due to illness, medical conditions, injury to wrist etc… How can you even request accommodations? I am a fall risk, I am on pain meds, I can’t stand longer than 1 or 2 hours… Should this form be filled out even though you can’t return to work? Help!