7 Tips For Correctly Applying For a Long-Term Disability Claim

Are you experiencing a long-term disability that is preventing you from working? Are you unsure of how to go about filling out the application form for a long-term disability claim?

This article will discuss seven tips to ensure that your application for a long-term disability claim is correctly filled out, giving you the best chance of receiving the benefits you deserve. Follow these steps to apply for long-term disability

What is Long-Term Disability Insurance?

Most people are familiar with health insurance, which protects against the financial burden of medical bills in the event of an illness or injury. However, fewer people are familiar with long-term disability insurance, which provides income replacement if unable to work due to a disabling condition.

There are two main types of long-term disability insurance – private and public. Private policies are typically offered through employers, while public policies are offered through government programs like Social Security Disability Insurance (SSDI).

The amount of income replacement benefits you receive from a long-term disability policy depends on several factors, including your policy’s benefit amount and how long you’ve been disabled. Most policies will replace between 50% and 70% of your pre-disability income.

To receive benefits from a long-term disability policy, you must first meet the definition of “disabled” defined in your policy. And this typically means that you must be unable to work at any job for which you are reasonably qualified due to your physical or mental condition

Once you have met this initial burden, you’ll need to provide proof of your disability to your insurer for them to process your claim.

Who Is Eligible to Apply for Long-Term Disability Benefits?

To be eligible for long-term disability insurance, you must have a physical or mental condition that prevents you from working for an extended period, which includes conditions such as cancer, heart disease, stroke, Alzheimer’s disease, and more.

If you’re unable to work due to your condition, you may be able to receive long-term disability benefits. These benefits can provide financial security and peace of mind during a difficult time.

What are the Tips for Correctly Applying for Long-Term Disability Benefits?

If you are unable to work due to a disability, you may be able to receive long-term disability (LTD) benefits. LTD benefits can provide you with much-needed financial support while you are unable to earn a living. However, applying for LTD benefits can be complex and confusing.

  1. Make sure you are eligible for LTD benefits. Eligibility requires a qualifying disabling condition that prevents you from working.
  2. To be eligible for long-term disability benefits, you must have a physical or mental impairment that prevents you from doing your job and is expected to last at least 12 months. 
  3. You must work at your job for at least five months before you become disabled. If you’re not sure whether you are eligible for long-term disability benefits, you should contact an experienced long-term disability attorney for help.
  4. Gather all the required documentation and submit proof of your disability. This evidence can come from medical records, treatment notes, and statements from your doctor. You’ll also need to prove that you’re not able to work and earn an income by submitting pay stubs or tax returns. Finally, you’ll have to show that you’ve applied for other disability benefits, such as Social Security Disability Insurance.
  5. Apply as soon as possible after your disability begins. The sooner you apply for LTD benefits, the sooner you may start receiving them.
  6. Be prepared to appeal if your claim is denied – appeals are often successful.
  7. Hire an experienced attorney to help with your claim. Applying for LTD benefits can be complex and quite confusing, so hiring an attorney specializing in this area of law is very beneficial.


Applying for long-term disability can seem daunting, but with the proper preparation and research, it doesn’t have to be. The seven tips highlighted in this article provide a simple roadmap for applying for long-term disability. Understanding your rights as an employee, researching insurance policies, and knowing which documents you need before filing your claim, can save you time and stress.