Although there are exceptions, most disability, life, health and long-term care policies, as well as pension benefits, provided by your employer are covered by the Employee Retirement Income Security Act (ERISA). This federal statute usually pre-empts state laws designed to protect consumers and creates significant (but not insurmountable) hurdles for claimants seeking benefits to which they were promised.  If your LTD claim is denied, it is a good idea to consultant with an experienced ERISA lawyer.