Long-Term Disability insurance provides financial support to individuals who are unable to work for an extended period due to illness or injury. It helps cover a portion of your lost income during your recovery.

To qualify for LTD benefits, you generally need to have a medical condition that prevents you from performing the essential duties of your job. You must also meet any specific requirements outlined in your insurance policy, such as waiting periods and providing medical documentation.

LTD insurance typically covers a wide range of medical conditions, including physical injuries, chronic illnesses, mental health disorders, and serious diseases. It's important to review your policy for specific coverage details.

The duration of LTD benefits depends on your insurance policy. Some policies provide benefits until you reach a certain age (e.g., 65), while others may have a set time limit (e.g., two years). Your policy will specify the maximum benefit period.

If your LTD claim is denied, you have the right to appeal the decision. It's important to review the denial letter carefully, gather additional medical evidence, and consider seeking legal advice to help strengthen your case and navigate the appeals process.