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Breaking Down Legal Barriers: Your Guide to Long-Term Disability Claims

Nancy j Cloyd
Breaking Down Legal Barriers: Your Guide to Long-Term Disability Claims

Imagine this: you're struck by a sudden illness or a serious accident that leaves you unable to work for an extended period. The financial burden of medical bills and living expenses can feel overwhelming. Luckily, you have long-term disability (LTD) insurance as a safety net. This insurance policy is designed to replace a portion of your income if you become too sick or injured to perform your current job duties for a prolonged timeframe. But what happens if your claim for LTD benefits gets denied? The process of filing a claim can feel confusing and intimidating, filled with legalese and complex procedures. Don't worry! This comprehensive guide will break down the steps involved in filing a long-term disability claim, empowering you with the knowledge you need to navigate this process.

What is LTD Insurance and How Does it Work?

Think of LTD insurance as a financial safety net during a challenging time. It provides you with a monthly benefit, typically around 60% of your pre-disability income if you become too ill or injured to work in your current occupation for an extended period. This benefit helps to ease the financial strain of medical bills and everyday expenses while you focus on getting better. 

There are two main types of LTD insurance:

 Employer-provided LTD: Your employer offers this type of insurance as part of your benefits package. You may contribute a portion of the premium, or your employer may cover the entire cost.

 Individually owned LTD: You purchase this type of insurance directly from an insurance company. The premiums and benefits will vary depending on the specific policy you choose.

Understanding Your LTD Policy

The details of your LTD coverage will be outlined in your specific policy documents. It's crucial to review your policy to understand the following key points thoroughly:

 Eligibility requirements: These outline the specific conditions that must be met to qualify for benefits, such as the minimum length of time you must be employed and the severity of your illness or injury.

 Definition of disability: The policy will define what constitutes a disability and your inability to perform your current job duties. 

 Benefit amount: This specifies the percentage of your pre-disability income you will receive as a monthly benefit. 

 Elimination period: This is the waiting period between when you become disabled and when you start receiving benefits. It can range from 30 days to 180 days, depending on your policy.

 Claim filing process: The policy will detail the steps involved in filing a claim, including the specific forms you need to complete and the deadlines for submitting them.

 Appeals process: The policy will outline the procedure for appealing a denied claim.

When to File a Long-Term Disability Claim

Every LTD policy has specific guidelines for when you can file a claim. Generally, a qualifying disability will prevent you from working in your current occupation for a set period, often around 90 days. This timeframe is known as the own-occupation clause. Some policies may also offer benefits under an any-occupation clause if you are unable to work in any occupation for which you are reasonably qualified due to your disability. 

Here are some key factors to consider when deciding if it's time to file a claim:

 Severity of your illness or injury: Does your condition prevent you from performing the essential duties of your current job?

 Doctor's recommendations: Has your doctor placed you on work restrictions or advised you to take a leave of absence from work?

 Policy guidelines: Review your policy documents to ensure you meet the eligibility requirements for filing a claim.

Suppose you need to decide whether you qualify for benefits or when to file a claim. In that case, it's always best to consult with your doctor and potentially a lawyer specializing in long-term disability insurance. 

Gathering Evidence for a Strong Claim

The key to a successful LTD claim is to submit a well-documented case that clearly demonstrates your disability. Here are some essential pieces of evidence you should gather:

 Detailed Medical Records: Obtain comprehensive reports from your doctor outlining your condition, including the date of diagnosis, symptoms, limitations, prognosis, and treatment plan.

 Treatment Plans: Collect documentation of your ongoing treatment plan, including medications, physical therapy appointments, and any upcoming procedures.

 Work Restrictions: Obtain a note from your doctor specifying any work restrictions you have, such as lifting limitations or reduced stamina.

 Employment Records: Gather proof of your income and job duties. It might include your pay stubs, job descriptions, and performance reviews.

The Role of a Long-Term Disability Lawyer

The LTD claims process can be complex and frustrating, especially if your initial claim gets denied. Even with strong documentation, insurance companies may deny claims due; insurance companies may deny claims due to various reasons, such as:

  • Technicalities:  They may argue that you still need to meet a specific policy definition or that paperwork needs to be submitted correctly.
  • Discrepancies in medical records:  The insurance company may question the severity of your condition or your inability to work.
  • Vocational rehabilitation:  They may suggest alternative occupations you could potentially perform despite your limitations.

A long-term disability lawyer can be a valuable asset in these situations. They can:

  • Review Your Policy: Lawyers can help you understand the specific terms and definitions outlined in your LTD policy. It allows you to identify any potential areas of disagreement with the insurance company's interpretation.
  • Gather Additional Evidence: They may work with your doctor to obtain more detailed medical records or consult with vocational experts to assess your ability to work in other occupations, refuting the insurance company's suggestions.
  • Negotiate with the Insurance Company: Lawyers act as your advocate, communicating with the insurance company on your behalf and presenting a strong case for your claim based on the evidence you've gathered. They can negotiate a fair settlement if you're open to that option.
  • Appeal a Denied Claim: If your claim gets denied, a lawyer can guide you through the appeals process. It often involves submitting additional documentation and potentially attending a hearing to present your case.

Appealing a Denied Claim

Keep going if your claim gets denied initially. Most LTD policies allow you to appeal the decision within a specific timeframe, often 30 to 60 days. A lawyer can guide you through this process, ensuring you meet all deadlines and submit the necessary paperwork for a successful appeal. Here are some additional tips for appealing a denied claim:

  • Gather additional supporting documents:  Your lawyer may recommend obtaining further medical opinions or evaluations to strengthen your case.
  • Respond promptly: Please ensure your claim is met during the appeals process.
  • Stay organized:  Keep detailed records of all communications with your doctor, insurance company, and lawyer. This documentation will be crucial when building your appeal.


  • Stay Informed:  Keep detailed records of all communications with your doctor, insurance company, and lawyer. This documentation will be crucial throughout the claims process.
  • Meet Deadlines: You must have deadlines for filing a claim or an appeal to ensure your benefits are met.
  • Be Patient. The claims process can take time, especially if you need to appeal a denial. Don't hesitate to contact your lawyer if you have questions or concerns.


Understanding the complexities of the LTD claims process can make a significant difference if you need to file a claim. By gathering strong evidence, potentially seeking help from a long-term disability lawyer, and staying informed throughout the process, you can increase your chances of a successful outcome. Remember, this guide is just a starting point. If you have specific questions about your LTD policy or need help with a claim, consulting with a qualified attorney specializing in long-term disability is highly recommended. Their expertise can be invaluable in navigating the legal aspects of your claim and securing the benefits you deserve.

Nancy j Cloyd
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