Well, comparing posts here to the documentation insurance companies are demanding is an apples and oranges comparison I'm afraid :

a. no deadlines to post here
b. no one is going to withdraw support if i don't word something the way they envision it in their mind
c. no one here is reading posts with a cynical or skeptical eye.. everyone here has a similar illness themselves
d. the people here, are here to help, the insurance company isn't help.. insurance is the obstacle that must be overcome..
e. if I type something here, it's not going on some permanent record that gets referred to and quoted to me

It's easy to write here for you guys. You are educated on mental illnesses and there's zero pressure. I can actually sit back to think and breathe. It's a very different thing to write a convincing appeal for an insurance company with a deadline attached and your household's finances riding on it being well written.