Has anyone received long term disability for depression?
Due to a variety of things going on in my life my depression reached an all time high in October. I took a medical leave from work and was receiving partial hospitalization treatment for depression and anxiety. I was discharged a few weeks ago due to insurance purposes, and was told I can recovene after January 1. My work provides for long term disability and I can become eligible to apply for it at the end of March. A large part of my work occurs when I have to deal with issues with work and speaking to work. Therefore I am hoping somebody might have received long term disability through work and can answer a few questions so I am a bit prepared when I make that phone call to work.
Specifically my questions are:
If you have received long term disability through a work policy:
--did you have difficulties getting approved for depression?
--were you doctors reports (therapists, pyschiatrists reports enough or did you have to see the insurance company's doctors)
--any advice you may have
--did your doctors have to provide a date to return to work
--did you receive money based upon your net or gross income
Thank you so much for any advice or answers you can provide?