My insurance company has declined my application for long term disability because I did not apply in a timely manner-but I did apply within the year. According to the plan administrator he felt I had a range of time in which to apply-at first he said fifteen months and later he referred to a page in the policy manner as 12 months. Their interpretation was a waiting period of 119 days plus six months and I fell short of the application by 22 days. So now I am seeing a lawyer to get it all sorted out and my doctor has to be very busy churning out more and more forms. anyway I will go through some procedures as I really should have gone in that direction when I first departed from my employment. Or perhaps the treatment will be successful and I will have a positive report from the blood tests in March. and I do get CPP DISABILITY -that has been approved.