There's what I learned:

If you are on STD or LTD or trying to get either here are a couple things we learned: Save everything and get hard copies of every DR visit. Make sure you discuss your reasons for not working with your physician every time you see them for anything even if it has nothing to do with your visit. Research the New York Life website to see what they say about your condition and use their words! Make sure you ask your physician to document your disability with as many objective findings that represent well-accepted tests, procedures, and examinations that are accepted as standard medical practice. (research your condition and know what to ask for).Keep your claim manager updated. (when I call now she knows who I am by first name) Anytime you go outside your home you may be under surveillance. Don’t do more than you say you can. We all have good days, you don’t want them seeing you doing more on that one good day. Journal, Journal, Journal everything. I use my phone to photograph him everyday and keep record of what he does. Not hard since he doesn’t do much and I can’t get him to go anywhere.