I understand the insurance companies do not like to pay out - period. I am covered by long term disability insurance, but what type of illness do I put on the form in order to get approved - or should I just forget it, and try to cope as long as I can and then go for early pension? My tinnitus is getting so bad that just to sleep I need 3 different meds. I use a white noise generator and have white noise constantly at night, but last week I had a dental drilling procedure that has made my tinnitus a whole lot worse and currently I am in a bad state.