Professionals and executives often face unique challenges in long term disability claims. Their work may involve high-level decision-making, sustained concentration, client demands, leadership responsibilities, travel, long hours, and compensation structures that include bonuses, commissions, equity, or other incentive pay.

This FAQ page explains common issues that arise in LTD claims, appeals, and litigation for high-earning professionals.

When your long term disability benefits are denied, one of the most important parts of your appeal is the medical evidence you submit. Insurance companies don't just take your word for it—they want to see consistent, objective documentation that proves your condition prevents you from working. Whether your claim is governed by ERISA or a private policy, your medical records will form the backbone of your case.

This guide explains what types of records matter most, how to strengthen your file, and why the way you present your medical evidence can make all the difference in the outcome of your appeal.  

If your long term disability benefits have been denied or terminated, you may be feeling overwhelmed and unsure of what to do next. One of the most important things to understand is that you have a limited time to file an appeal. Whether your claim falls under ERISA (the federal law that governs most employer-sponsored disability plans) or is based on a private policy, the appeal process is often your last and best chance to secure the benefits you deserve without going to court.

If you’re navigating a claim denial, understanding your rights and how to protect them can make all the difference. Below we’ll answer common questions about long term disability appeal deadlines and why it’s so important to make your appeal count. 

After submitting a long term disability (“LTD”) appeal through a group policy, a claimant may unexpectedly receive new reports or assessments from their insurer. These can include peer reviews, vocational evaluations, or other updated findings.

When this occurs, it’s often possible—and important—to respond. Below, we’ll explain when insurers issue new reports, what rights may apply under ERISA (the federal law that governs most group LTD policies), and how to approach this phase of the process effectively.

Note: This article is for general informational purposes only and does not constitute legal advice. The rights described typically apply to ERISA-governed policies, which usually come through an employer. Individual policies are typically not subject to the same rules. 

Introduction

Many people assume that they can relax once their long term disability (“LTD”) claim is approved.  While it’s true that winning your long term disability claim is a big hurdle, it doesn’t mean you’re entirely in the clear.  Over time, your LTD insurer will continue to re-review your file and demand proof of your ongoing disability.

LTD insurers use a number of ploys to justify cutting off your benefits after your claim is approved.  Below, the NYC long term disability attorneys at Riemer Hess will discuss the five most common tactics used by LTD insurers to terminate long term disability benefits.