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Long-Term Disability Claim and Appeal Process Infographic


The process for claiming long-term disability benefits begins with filing a claim. If your claim is approved your benefits are paid. But many professionals see the insurance company deny their claims, leading them to the next steps in the process.

Step 1: File a Claim. If your claim is approved, benefits should be paid. If your claim is denied, you move on to the next step.

The best time to consult with an attorney is after the initial denial because your next step, the Administrative Appeal, is often the last chance to submit evidence for the record.

Step 2: Administrative Appeal to the Insurance Company. If your appeal is approved, your long-term disability benefits should be paid. If denied, you move to the next step in the LTD claims process.

Step 3: Claim is Taken to Court. This is the final step in the long-term disability claim process. If you are denied benefits here, you likely will not receive any. This is why having an experienced representative assist your ERISA or private insurance claim can make all the difference and ensure you meet your policy’s definition of disability.