The appeal process usually involves submitting additional medical evidence and arguments to the insurer challenging their decision. If unsuccessful, legal action may be necessary.

Documentation involves providing comprehensive medical evidence, including doctors' reports and possibly results from diagnostic tests, to support your claim.

Receiving other benefits can affect your STD entitlements. Policies often require coordination with these benefits, reducing the amount paid by the STD insurer.

Yes, claims can be denied for various reasons. If denied, it's advisable to consult a disability lawyer to review your case and advise on the next steps, which may include appealing the decision or legal action.

Benefits usually start after a short waiting period, often a few days to a couple of weeks after you become unable to work.

Short-term disability (STD) covers a portion of your salary for a brief period, usually up to 6 months, for temporary disabilities. LTD kicks in for more serious, long-lasting conditions.