You should be aware that the criteria for deciding if you are disabled are entirely different for private vs Soc Sec. Read your policy carefully. Also, if you plan to use a lawyer be aware they will collect a piece of your payment as their payment. While getting something is better than what you have now, it may be worthwhile writing an appeal letter yourself following whatever rules are defined in your policy. I would also consider calling the insurance agent who sold you the policy to enlist her cooperation and explanation.
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