If you plan to apply for long-term disability insurance benefits you should not do so alone. Hire an attorney experienced in ERISA LTD claims as soon as possible. Hire an attorney while you are still working and just start thinking about making a claim. An attorney can help you fill out forms, make recorded statements, and help your doctor fill out forms properly without making costly mistakes.
Here are just a few ways the deck is stacked against you: (1) there is no right to a jury trial; (2) there are limited remedies available; (3) there is a tough standard of proof; (4) once the administrative process is complete, new evidence may not be added to the claim.