Greetings everyone,
I am very thankful I found this forum.
I have been on disability since June 2025 - initially 6 weeks of STD and since September 2025 on LTD through my employer’s group insurance policy.
So far, I have been grappling with all the paperwork & case manager follow ups on my own, until a dear friend recommended this forum.
I have been browsing all the sections and threads for the last 2 weeks, and now posting my situation.
I am getting ready to apply for the DTC.
My disability is a combination of mental health issues (severe anxiety and depression) and speech issues (paralyzed vocal cord impeding speech).
Therefore, I believe I qualify under the “Cumulative Effect” criteria.
My physician is super nice and supportive, and has agreed to fill out the DTC form for me.
However, he does not have any prior experience of filling out DTC.
I am also quite unfamiliar with this process and have never come across these types of issues for any friend or family member.
Can anyone please provide any guidance or tips for completing the forms?
Esp. when it comes to mental health issues (severe anxiety and depression).
I am struggling with debilitating ennui and it is taking me days and sometimes weeks to complete simple forms and formalities.
I am sorry but this process is quite intimidating for me.
Any guidance or tips anyone can provide will help me and my physician.
Thanks in Advance,
Desmond W.