If you have a long-term disability (LTD) insurance policy and you're unable to work, you may be eligible for long-term disability benefits to replace some of your lost income.
All LTD policies provide for at least one, and often two, levels of administrative appeals, and it is through the appeals process that many workers eventually receive their benefits.
If you're receiving long-term disability (LTD) benefits, keep in mind that your insurance company can terminate your monthly payments for any number of reasons.