Dear Weezer123, I am in much the same boat 27 years as an LPN, dealing with arthritis also. I've worked for those insurance companies someone mentioned... Stay out of call centers typically you are tethered to a phone, every second is accounted for and all calls are recorded and its very difficult to be a patient advocate when you are being paid to lessen costs for the insurance companys' client (the employer) a distinction most insured people aren't aware of. Half are nurses half of them aren't. Met alot of cranky nurses old and young alike who think everyone calling in for short term/ long term benefits they have paid for are scammers. Ended up leaving but it was really eye opening! Sad mostly... Only thing I came away feeling about most of them was atleast these nurses aren't at the bedside. Its horrific enough to think that once upon a time they were... If only I could share with patients what I learned about insurance industry, (I have to be very careful here) it sounds like you've got a good advocate in your physician and that can be half the battle. Are you rhuematoid?