I have been on disability for over 3 years. First on STD then LTD. The 2 year mark of my LTD passed a few months ago and the insurance company says that I can either return to work or try an other occupation because we are in the “any occupation stage”. My disability started following a MVA accident where I sustained a concussion and as a result of that I not have permanent cognitive issues mainly with concentration, memory and fatigue. I also have frequent headaches, dizziness and I suffer from anxiety and depression and panic attacks. I also since developed fibromyalgia and nerve pain and I also have TMJ that flares up every once in a while. There is something else but I’m not sure that the insurance really cares about that and if that factors in. I have 2 children, both are autistic. My son is mildly affected but my daughter is severely autistic and has daily therapy in a center. Having to take care of 2 special needs children is a lot of work for any parent but in my case I can barely get through the day while I am not working and if I return to work it will be a disaster for my health both mentally and physically. I had 2 failed attempts to return to work, both of them caused a major relaps and increase in symptoms. What I am wondering at this point is what should I do? Should I take legal action against the insurance company or just apply for Ontario disability? My doctor does not agree that I should return to work, he really thinks it would be in my best interest not to return because it will just cause a relaps and make my current symptoms worst and it will not just impact me but my whole family. What would you suggest?