Thank-you for all of the responses. I really hope that my T and I can figure everything out on the phone as well.

While I do not personally know the laws in my state regarding disability, I read her e-mail to my dad (who is a lawyer and who files my mom's claims as she also has MS), and his reaction was that it sounded a little fishy. He told me what questions he would like me to ask her, because he is troubled by the legality of the situation. And, quite frankly, it may ultimately be as much his decision as it is mine. I cannot afford her full fee on my own so, if I decide I want to see her and she won't budge on the price, asking my dad would be my only option. I would not do that indefinitely, but it is somthing I might consider temporarily because, if nothing else, I need closure.

Yes, my T does know my salary, down to the dollar. We talked about it a month before she went on leave because I took on an additional appointment, which raised my meager salary by a few thousand dollars. But even with that small raise, I do not make anywhere close to enough to afford her full fee.