Consult with a disability lawyer. Denials can be due to various reasons, and a lawyer can help you understand these reasons and guide you through the appeals process or litigation.

This depends on your policy's definition of disability. Some policies allow "partial disability" benefits if you can work in a limited capacity, while others may cease benefits if you start working.

LTD benefits can last until you're able to return to work, reach retirement age, or for a set period defined in your policy.

LTD policies cover a range of conditions, including chronic illnesses, severe injuries, and mental health disorders. Each policy differs, so it's important to check what specific conditions your policy covers.

To qualify, you must prove your condition significantly impairs your ability to perform your job duties. This usually requires detailed medical documentation and adherence to your policy's specific criteria for disability.

Long-term disability (LTD) insurance provides financial support if you're unable to work due to a serious illness or injury. It typically starts after short-term benefits end, covering a significant portion of your salary for an extended period.