Applying for long-term disability means you are probably already experiencing a severe injury or illness. If your long-term disability (LTD) coverage has just been denied, things may seem worse than ever. What can you do now? How are you going to manage your finances if you are unable to work?
Filing your LTD claim is complex enough for most people. Now, you have the additional burden of the LTD appeal process. If this is you, you might be wondering where to begin. Try to keep the following in mind as you move forward with your appeal of an LTD denial: