G'day Steve,
After reading your story, I just wanted to reply and let you know that you are certainly not alone. Whilst working in the emergency services I received a significant back injury in 2006. My claim was accepted and I underwent many radiological tests. I saw a neurosurgeon and he advised that immediate surgery was required. The insurance company sent me to many of there doctors to confirm that surgery was the best treatment. Both doctors confirmed that surgery was required. I continued to work whilst in significant pain 8-9/10 most days. I was finally put on strong pain meds and nerve drugs whilst I waited for approval. 2007 went by with still no response. Finally in Jan 08 I had to stop work due to the pain and then in March 08 they finally approved surgery. It took them a year and a half to approve surgery and only when I had stopped work. I think they were hoping that my injury would settle down in 2007 so they would not have to pay for a double spinal fusion. My experience so far has been poor and I have also suffered financially due to the 25% salary cut. Living from day to day at the moment just trying to pay the rent whilst I get over the surgery which at this stage has failed. My lawyers have told me that there is some chance to get financial compensation but for a life long injury, it wouldn't be much. I am much the same as you, I have good days and bad days. The bad days are a struggle to get out of bed due to the pain. I am also now struggling with depression due to everything that is going on.
Hang in there and good luck.
Regards
brad