My name is Kelly and I have been an RN for 22 yrs, but have not worked for the past 2 years due to my Fibromyalgia, and Chronic Fatigue. I completely understand your predicament. I have been fighting with UNUM (the worst disability company, in my opinion) for the past year, because they cut off my payments a year ago. I am now faced with having to go back to work, because we cannot live on one income anymore. I have almost depleted my retirement savings due to not being able to work and no benefits. I WANT to work; being a Nurse is part of who I am, but am very afraid of going back to work, because some days I can barely get out of bed. I can't wait the (likely) years it will take to get an answer to my appeal of UNUM's decision that I am capable of working, so though it is not recommended, I either go back to work, or lose my house. Feel free to contact me if you have any questions, or just want to chat. Kelly