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Do you have a Long-Term Disability? How do You Get Benefits?

Employee benefits not only include health insurance and life insurance, but also dental, vision, and disability coverage. This can be either short or long-term disability insurance depending on the company's policy.

In this article, we'll talk about how you can apply for long-term disability benefits, how a long-term disability attorney can help you, and other important things you should know about — read on!

What is Long-Term Disability?

Long term disability (LTD) is a form of insurance that provides income protection if you become unable to work due to an illness or injury. LTD typically covers up to 70% of your salary and can be paid for up to five years, depending on the policy.

Common long-term disabilities covered by insurance include mental health issues, illnesses, physical disabilities, and birth defects.

5 Steps To Apply For Long-Term Disability Benefits

To apply for LTD benefits, you should follow these steps:

  1. Contact your employer: To apply for long-term disability benefits, you must first contact your employer to determine if they offer LTD coverage and to find out the requirements.

  2. Gather documentation: You will need documents such as medical records and doctor’s notes that support the fact that you are unable to work due to a disability or illness.

  3. Submit an application: After gathering all the necessary documents, fill out an application form with your employer's Human Resources department and submit it along with any required documentation.

  4. Wait for approval: After submitting your application and doctor’s reports, you will need to wait for approval from the insurance company that is providing the coverage for your policy (most likely your employer).

  5. Appeal if denied: If your application is denied, you have the right to appeal the decision within a certain time frame. This process can be complicated and time-consuming, so it’s important that you contact an experienced long-term disability attorney who can help you.

Why Companies Deny Long-Term Disability Benefits

Unfortunately, many companies deny long-term disability benefits due to technicalities or other factors. Common reasons that people are denied include not submitting the correct paperwork, not providing enough medical evidence, or not following the proper procedures for filing a claim.

Additionally, some employers may deny claims based on pre-existing conditions or if they believe you are able to return to work in some capacity.

How A Long-Term Disability Attorney Can Help

If your application for long-term disability benefits has been denied, it is important to seek legal help as soon as possible. An experienced long-term disability attorney can

  • Review the details of your case: A disability attorney will review all the details of your case, including any medical evidence or paperwork that was submitted. They can also help you understand the denial letter and explain what options are available to you.

  • Handle the appeals process: An experienced long-term disability attorney can help you navigate the appeals process and ensure that all paperwork is filed correctly and on time.

  • Negotiate a settlement: A long-term disability attorney can negotiate with insurance companies on your behalf in order to obtain a more generous settlement than would otherwise be possible.

If you have been denied long-term disability benefits, it’s important to contact an experienced lawyer who understands how to handle these cases. With their help, you may be able to get the benefits you need to cover your medical expenses and other costs of living.


It is important to understand the process of applying for long-term disability benefits and how a long-term disability attorney can help if your application is denied. With the right knowledge and support, you have a better chance of getting the assistance you need in this difficult time. Good luck!


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