Lifestyle
6 Ways to Win Your Long-Term Disability Claim or Appeal
Anyone who applies for long-term disability insurance is required to prove that they are unable to work due to their conditions. Sometimes, when submitting a claim, the medical records and statements provided may not be sufficient. If your long-term disability benefits claim was denied, you have the right to appeal. However, it is a good idea to create an ironclad claim before submission to avoid the need to appeal completely. Here are our top tips for winning an LTD claim or appeal.
Hire A Lawyer
Disability insurance is a complex field that can be difficult for even the most educated person to navigate. Working with an attorney who has experience with disability insurance policies and laws is the best way to effect a positive outcome. A lawyer will be able to help with your own occupation disability insurance and all occupation claims or appeals with equal finesse.
Make Sure You Have Objective Evidence
LTD claims that are submitted with strong objective medical evidence are more likely to be approved. An insurance provider will have a hard time denying objective advice from a reputable medical professional, even if they have their own doctor perform an evaluation. Gather clinical statements, lab tests, and the results of your functional capacity evaluations prior to submitting a claim or an appeal.
Get A Copy of Your Claim
If your claim has been denied and you plan to appeal, make sure you have a copy of your original claim. The claim file will have all communications between you and the insurance provider, copies of submitted forms and reports, and, the guidelines used to deny the claim. Knowing why your claim was denied will help you cure those problems upon appeal.
Prepare a Vocational Assessment
This assessment will provide thorough detail as to why your conditions prevent you from remaining gainfully employed. This assessment may include a list of duties and how your conditions prevent you from completing those duties. Depending on the policy type, the assessment will also determine if you are qualified to work in a different occupation while suffering from a disability.
Hire Your Own Experts
When filing a claim or an appeal for long-term disability benefits, assessments play a critical role. The insurance company will always have its own evaluators, but you have the right to hire your own. Have a reputable medical professional perform a functional capacity evaluation for consideration. Mental health is another important aspect to be assessed. You can also have a trained medical provider perform a neuropsychological evaluation for both cognitive and mental health changes.
Respond to the Denial

It is important to review the reasons your claim was denied and remedy those issues. The most common issues are a lack of medical evidence, poor or no treatment for the condition, and no evidence that there are severe symptoms. Being able to work with certain accommodations and actually having your condition improve are other common reasons for the denial. Respond to each denial reason provided to avoid facing an appeal denial.
Get The Benefits You Deserve
With the right planning and a savvy attorney, getting approval for LTD benefits will be a breeze. For those who are facing an appeal, working with a lawyer and following the suggestions above will put you on the path to success.
Author Bio: Heather Blacksmith has a Bachelor’s Degree in Finance and works at a finance firm based in Seattle, Washington. She specializes in small business finance, credit, law, and insurance. When she is not working, she spends her time in her favorite coffee shop writing on various finance-related topics. Other than that, she enjoys adult coloring books, recycling, and running.
Lifestyle
When Seasons Shift: Dr. Leeshe Grimes on Grief, Loneliness, and Finding Light Again
Some emotional storms arrive without warning. A sudden change in weather, a holiday approaching, or even a bright sunny day can stir feelings that don’t match the world outside. For many people, the hardest seasons are not defined by temperature; they are defined by what’s happening inside, where grief and loneliness often move quietly.
This is the emotional terrain where Dr. Leeshe Grimes has spent her career doing some of her most meaningful work. As a psychotherapist, registered play therapist, retired U.S. Army combat veteran, and founder of Elevated Minds in the DMV area, she understands how deeply seasonal shifts and unresolved grief can affect people. Her upcoming books explore this very space, guiding readers through the emotional weight that can appear during different times of the year.
What sets Dr. Grimes apart is her ability to see clearly what many people overlook. Seasonal depression, for example, is usually tied to winter months. But she often sees it appear during warm, bright seasons, the times when the world seems happiest. For someone already grieving or feeling disconnected, watching others travel, celebrate, or gather can create its own kind of heaviness. Sunshine doesn’t always lift the mood; sometimes it highlights what feels missing.
The same misunderstanding surrounds grief. Society often treats it as a short-term experience with predictable phases and a clean ending. But in her practice, Dr. Grimes sees how grief keeps evolving. It doesn’t disappear on a timeline. It weaves itself into routines, memories, and milestones. People learn to carry it differently, but they rarely leave it behind completely. And that’s not failure, it’s human.
Her approach to mental health centers on truth rather than pressure. She encourages clients to acknowledge the emotions they try to hide: sadness that lingers longer than expected, moments of joy that feel out of place, and the waves of loneliness that return even when life seems stable. Instead of pushing for quick recovery, she focuses on helping people understand how emotions shift and how to care for themselves through those changes.
Much of her insight comes from her military years, where she witnessed the emotional toll of loss, transition, and constant survival. She saw how people continued functioning while carrying pain that had nowhere to go. That experience shaped her belief that healing requires space, space to feel, to speak, and to move through emotions without judgment.
In her clinical work today at Elevated Minds, she encourages people to build small, steady habits that anchor them during difficult seasons. Journaling helps them recognize patterns and name what feels heavy. Community support breaks the cycle of isolation. Therapy creates a place where emotions don’t have to be minimized or explained away. And intentional routines, daily sunlight, mindful breaks, and calm evenings help rebuild emotional balance.
Her upcoming books expand on these ideas, offering practical guidance for navigating both grief and seasonal depression. She focuses on helping readers understand that healing is not about escaping pain. It’s about learning how to live with it in a healthier way, honoring memories, acknowledging loneliness, and still allowing room for moments of light.
What makes Dr. Leeshe Grimes a compelling voice in mental health is her ability to bring language to experiences that many struggle to explain. She reminds people that emotional seasons don’t always match the weather and that there is no single path through grief. But within those shifts, she believes there is always a way forward.
The seasons will continue to change. And with the right tools, compassion, and support, people can change with them, finding steadiness, softness, and light again, one step at a time.
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