Lifestyle

6 Ways to Win Your Long-Term Disability Claim or Appeal

Published

2 years ago

September 7, 2023

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

Kindness First: Lessons From Ellen DeGeneres

Published

1 hour ago

January 16, 2026

Michelle Langton

The Power of Kindness in a World Divided

Let’s accept that it’s easy to be kind when others share your views. It’s when someone has a very different opinion on a topic that you might explode with anger. In those times, being kind is most challenging and most important.

In today’s world, people are constantly judging one another, arguing with one another, and generally dismissing each other’s ideas without any second thoughts. Families are torn apart over politics. People become enraged over their differences in beliefs surrounding religion. Even small disagreements escalate into full-blown arguments on social media. However, all of that anger and hostility does not help anyone.

Ellen’s Enduring Message

This is why Ellen DeGeneres has maintained her message of kindness throughout her career. Every show ended with her saying “Be kind to one another” — a constant reminder to the world of the importance of being kind to one another every day as a choice.

Ellen has always used her experience to focus on what brings her audience joy and laughter, and helping them feel good about themselves. In helping people feel good about themselves, Ellen demonstrates through her comedy that one does not need to bring down another person to lift themselves up. One can also choose to treat, honour, and respect others, even those they may disagree with.

Why Kindness Matters When We Disagree

When’s the last time that someone has changed your mind by treating you badly? Probably never. Hostile behaviour just shuts people down, puts them on the defensive and builds a wall.

On the other hand, Ellen demonstrates that the opposite of kind behaviour is the opposite. Using contempt places a wall between people that does not exist with kind behaviour, and allows real dialogue to exist. When respect and disagreement co-exist, the other person is told, “I see that you are a human being just like me, and while I do not agree with you, I am open to your perspective and will take your position into consideration. Thanks for being you. Sometimes that is what is needed, and that is all it takes to find common ground.”

Learning and Growing Together

Ellen has been forgiven by much of her audience, with fans choosing to focus on the humor, kindness, and positivity she has brought into the world over decades. While past controversies once clouded her public image, her openness, self-reflection, and continued commitment to spreading joy have allowed many to move past old criticisms. Today, audiences celebrate Ellen not just for her career, but for the larger message she represents—that even public figures can grow, learn, and continue inspiring kindness.

As Ellen reminds us, “Everything bad that’s ever happened to me has taught me compassion.” And isn’t that what kindness is really about? Learning from our struggles and extending that understanding to others. She also said, “It always helps to think about other people instead of ourselves”—words that perfectly capture what it means to choose kindness even when disagreement makes us want to dig in our heels.

The truth is, every small act of kindness adds up. Every time you choose grace over anger, you’re making the world a little bit better.

Kindness Without Compromise

On the other hand, kindness does not mean that you have to defend an opinion, nor that you cannot defend that which you consider right. Furthermore, kindness doesn’t come from letting people walk all over you.

More to the point, kindness is about how we deal with people, not whether we agree with them or not. It is possible to have a strong opinion about something, and be respectful to all. We can advocate for what we think is right, and not be perceived as the bad person. Kindness makes the message we spread much more powerful and people listen to us more.

Putting Kindness Into Practice

What does this mean for you? What does this look like in real life?

Maybe it means having to listen to his probably not-so-valuable political opinions, helping out a neighbor, trying to stop your frustration by not going on a mean comment on someone’s Facebook post.

You might find these things meaningless and not valuable, however, the world needs these ‘small’ random acts of kindness, which, by the way, are contagious.

You are already setting the path for a better and kinder world by disagreeing with people in a polite way and, while to you, the act of kindness might not mean much, to the receiver of the kindness, it would mean to someone a lot.