Inside the Long-Term Disability Claim Timeline: What Really Happens After You File

Filing a long-term disability (LTD) claim can feel like stepping into unfamiliar territory. Most people expect the process to be as straightforward as submitting medical records and waiting for approval. In reality, it is far more complicated. Insurance companies employ a multilayered review system designed to protect their financial interests, rather than to support policyholders in need.

At Disability Insurance Law Group, our attorneys help clients across the United States navigate every stage of the disability claim process. Understanding what to expect, and when, can make all the difference between a smooth approval and a frustrating denial.

Step 1: Reviewing Your Policy and Preparing the Application

Before filing, it is crucial to understand the specific terms of your disability insurance policy. Every policy defines “disability” differently, and these definitions determine how your claim will be evaluated. Some policies cover only disabilities that prevent you from performing your own occupation, while others require proof that you cannot perform any occupation for which you are reasonably qualified.

Preparation is everything at this stage. Collect your medical records, employment history, and physician statements. Ensure that your doctor provides detailed documentation regarding your diagnosis, symptoms, treatment plan, and how your condition affects your ability to work. Missing or inconsistent details in these early documents can lead to significant problems later in the process.

Step 2: Submitting Your Claim

Once you submit your claim, the insurance company assigns it to a claims examiner. This person is responsible for gathering documentation, verifying information, and determining whether your condition meets the policy’s definition of disability.

You will likely be asked to complete additional forms or authorize the insurer to access your medical records. It is essential to provide accurate and consistent information, but avoid volunteering unnecessary details that could be misinterpreted. The insurer may also contact your employer for job descriptions and attendance records.

Step 3: The Investigation Phase

After your claim is submitted, the insurer begins an in-depth investigation. This stage can take several weeks or months, depending on the complexity of your condition and the responsiveness of your doctors.

Common steps include:

• Medical reviews by doctors hired by the insurance company.
• Vocational evaluations to assess whether you can perform alternative work.
• Surveillance to observe your daily activities.
• Social media monitoring to look for inconsistencies with your claimed limitations.

It is critical to remember that these investigators are not neutral parties. Their goal is to determine whether the insurer can justify denying or limiting your benefits. Staying consistent and cautious during this phase can help protect your claim.

Step 4: The Waiting Period

Every LTD policy includes an “elimination period”—a waiting time before benefits begin, typically between 90 and 180 days after you stop working. During this period, you must remain continuously disabled. Insurers often use this window to delay decision-making, hoping you will return to work or give up on your claim.

Keeping detailed records of your symptoms, medical visits, and treatments can strengthen your claim during this period. It shows ongoing disability and compliance with medical advice, two factors insurers weigh heavily in determining eligibility.

Step 5: The Decision

After completing its review, the insurance company will issue a written decision. If approved, you will begin receiving monthly benefits as outlined in your policy. If denied, the letter must explain the reasons for denial and provide instructions for filing an appeal.

Many denials cite “insufficient medical evidence” or “inconsistencies” between your medical reports and your daily activities. These reasons often reflect the insurer’s attempt to minimize liability rather than an accurate assessment of your disability. If your claim is denied, do not give up. Most cases can be successfully appealed with the help of an experienced attorney.

Step 6: Managing Ongoing Reviews

Even after approval, insurers conduct periodic reviews to confirm that you still meet the definition of disability. These reviews may include updated medical record requests, new forms, or independent medical examinations. Any change in your condition, employment status, or treatment plan must be reported honestly and promptly.

Our attorneys can help ensure that your continuing eligibility reviews are handled correctly, protecting you from unfair termination of benefits.

Why Legal Representation Matters from the Start

Long-term disability claims are filled with deadlines, fine print, and opportunities for insurers to deny benefits. Small mistakes, such as incomplete paperwork, vague medical descriptions, or inconsistent answers, can derail your claim entirely. Having an experienced attorney involved early in the process can help you avoid these pitfalls and ensure that your rights are fully protected.

At Disability Insurance Law Group, we understand how insurers operate and how to counter their tactics effectively. Our legal team provides hands-on support from the moment you consider filing, through appeals, and into litigation if necessary.

Get the Guidance You Need Before It’s Too Late

If you have filed a long-term disability claim or are preparing to do so, you do not have to face the insurance company alone. The attorneys at Disability Insurance Law Group will explain your policy, manage communications with your insurer, and help you build the strongest possible case for approval.

Call 954-989-9000 today or contact us online to schedule a free and confidential consultation. We will help you protect your benefits and your financial future with experienced, nationwide legal representation.