Here is one just in the last couple of days:
http://flash.lymenet.org/ubb/Forum3/HTML/013483.html

Start pulling together your medical records to determine if there is plenty of info documenting your "functional" problems due to your illness. Concentrate on getting info which describes both your physical limitations, as well as your psychological limitations and cognitive problems (if you have those).

If you have a psychiatric/psychological diagnosis, be aware that most plans put a 2 year limit on benefits for claimants who are disabled with mental problems. Although you may have depression or anxiety as a secondary diagnosis due to Lyme, your LTD might try to proclaim that the mental health issues are the reasons you are out of work. Thus, if you are out of work for 2 years, they will then have reason to cut you off. Obtain written documentation from them explaining the basis of your approval early in the process. That way, you will know if they are trying to pull a fast one.

Also, most policies will generally cover you if you are unable to perform your "own occupation" for 2 years. After that, they will only pay benefits if you can prove you are disabled from performing "any occupation". They have plenty of ways to show that you can work at another job, and cut benefits.

If you can, get your doc to write a letter on your behalf. Concentrate on your functional problems. Not necessarily symptoms, but how these symptoms affect functioning. Activities of daily living, things like that.

I used to do vocational assessments for LTD carriers. I saw them do lots of bad things to people. Therefore, when I was faced with a disability situaton myself, and had to put up with the abuse, stress, etc, of filing disability claims, I decided I would never return to doing that. But my experience certainly served me well, as I knew all about their bag of tricks and how they treat people. Frankly, I do not know how some of these people sleep at night.

Register on the yahoo group "disinissues". Excellent group. They have a listserve and good resources for use if you need to file either a LTD of SSD claim.

Good luck...