Info Library

 Clear Information About Long Term Disability Claims

The Info Library is a comprehensive educational resource for people navigating long term disability claims.

Here, you can learn how disability insurers evaluate medical conditions, occupational duties, policy language, medical evidence, appeals, benefit terminations, and litigation. Each guide focuses on a specific issue that may affect your eligibility for benefits or the strength of your claim.

Use the search feature above or browse the topic areas below.

Diagnoses

A medical diagnosis can have a profound impact on your ability to work, but not every diagnosis is evaluated the same way by disability insurance companies.

Our diagnosis guides explain how specific medical conditions may affect your eligibility for long term disability benefits, the evidence insurers typically look for, and the unique challenges claimants often face throughout the claims process.

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Occupations

Your occupation is one of the most important factors in a long term disability claim. Disability insurance companies evaluate more than just your diagnosis; they assess whether your condition prevents you from performing the material duties of your specific occupation.

Our occupation guides explore the unique demands of different professions and the evidence that can help support a successful disability claim. Whether you are filing an initial claim, appealing a denial, or protecting ongoing benefits, understanding how your occupation is evaluated is essential.

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Insurers

The insurance company handling your long term disability claim can significantly impact your experience throughout the claims process. While every insurer evaluates disability claims differently, each has its own procedures, priorities, and common reasons for delaying, denying, or terminating benefits.

Our insurer guides examine the practices of major disability insurance companies, explain the challenges claimants commonly encounter, and provide insight into the strategies that can help strengthen your claim at every stage.

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Policy Terms

Your disability insurance policy is the foundation of your claim. The language in your policy determines who is eligible for benefits, how disability is defined, what limitations or exclusions may apply, and what evidence you need to provide throughout the claims process.

Our policy guides explain the key provisions found in many long term disability policies and help you understand how your policy can affect your eligibility, benefits, and claim strategy.

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Claim Strategies

Every long term disability claim presents unique challenges, and the steps you take throughout the process can have a significant impact on your ability to obtain and maintain benefits. Understanding how disability insurers evaluate claims can help you make informed decisions from the outset.

Our claim strategy guides cover important topics such as documenting your disability, working with your treating physicians, responding to insurer requests, preparing appeals, and protecting your benefits throughout the life of your claim.

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Litigation Issues

If your long term disability claim cannot be resolved during the administrative claims process, the next step may involve litigation or mediation. Understanding how these proceedings work can help you make informed decisions about your legal options and what to expect as your case moves forward.

Our litigation and mediation guides explain important legal concepts, court procedures, settlement discussions, standards of review, and other issues that may arise after a claim has been denied or terminated.

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Topic

Diagnosis Vestibular Disorder

How To Prove Vestibular Dysfunction for Long Term Disability

Diagnosis - Migrane Headaches Diagnosis - Meniere's Disease Diagnosis - Traumatic Brain Injury (TBI) Diagnosis - Vestibular Diagnosis - POTS Syndrome Diagnosis - Vestibular Disorder Strategy - Tilt Table Test

If you’re experiencing chronic dizziness, vertigo, or balance problems that make it hard to function at work, you may be wondering whether you qualify for long term disability benefits. Vestibular dysfunction is often misunderstood by disability insurers because its symptoms can be invisible, unpredictable, and difficult to document through standard testing. Yet for many professionals, these symptoms are anything but mild. They interfere with concentration, mobility, and the ability to perform even routine job tasks.

Below we’ll explain how vestibular dysfunction may qualify for long term disability and what evidence is most effective in building a strong LTD claim.

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Brain Cancer and Long Term Disability Claims

Diagnosis - Cancer Diagnosis - Chemotherapy Diagnosis - Headaches Diagnosis - Brain Cancer Diagnosis - Vestibular Disorder Diagnosis - Cognitive Impairment

A brain cancer diagnosis can upend every part of your life—including your ability to work. Between the effects of the tumor itself and the harsh side effects of treatment, many people with brain cancer find it impossible to maintain a full-time job. If this is your situation, long term disability (“LTD”) benefits can provide crucial financial support.

But navigating an LTD claim for brain cancer isn’t easy. Insurance companies often scrutinize these claims closely, especially when symptoms are cognitive rather than physical. This guide explains what you need to know about qualifying for LTD benefits with brain cancer, the evidence you’ll need, and how an experienced disability attorney can help protect your rights. 

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How A Tilt Table Test Can Prove Long Term Disability

Strategy - Medical Evidence Strategy - Functional Capacity Evaluation Diagnosis - POTS Syndrome Diagnosis - Vestibular Disorder Diagnosis - Dysautnomia

Tilt Table Tests for Long Term Disability

When filing for long term disability, you may consider testing options such as the tilt table test to help bolster your disability claim.  But how do you know if the tilt table test is right for you?

Your insurance company will demand strong medical proof of your inability to work in order to approve your disability benefits.  While this may not be as much of a concern for easily evidenced disabilities, certain conditions are harder to prove than others.  This is where a tilt table test may be beneficial for your disability claim.

The tilt table test results can provide strong evidence of conditions that cause dizziness and/or syncope (the medical term for unexplained fainting).  Below we’ll discuss what the tilt table test is, what it involves, and how it can help get your long term disability claim approved.

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How Can Vestibular Testing Help Prove a Long Term Disability Claim?

Strategy - Medical Evidence Diagnosis - Traumatic Brain Injury (TBI) Strategy - Evidence Diagnosis - Vestibular Disorder Strategy - Vestibular Evaluation

Vestibular dysfunction can be extremely distressing and disabling.  A vestibular evaluation is one of the best ways to prove the severity of a long term disability due to vestibular dysfunction.  This is because the evaluation will provide an objective proof of your vestibular symptoms (including dizziness, vertigo and balance issues) in a way that medical records alone cannot.


Learn whether a vestibular evaluation may help prove your long term disability claim.

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Ménière’s Disease and Long Term Disability: How to Prove Your Case

Diagnosis - Tinnitus Diagnosis - Meniere's Disease Diagnosis - Vestibular Disorder

Ménière's Disease (also called endolymphatic hydrops) is a serious vestibular disorder that can significantly impact balance and hearing.  Individuals with Ménière's Disease may experience episodic vertigo, balance issues, headaches, dizziness, tinnitus, and hearing loss.  The symptoms can be exhausting and disorienting, often resulting in long term disability.  Unfortunately, there is no known cure.  Here’s what you need to know before filing your long term disability claim for Ménière's Disease.

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