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

Confronting Propaganda: Street Smart Documents Honest Reactions to Gaza Indoctrination Footage

Published

2 days ago

November 6, 2025

Michelle Langton

Photo Courtesy of: Street Smart

Byline: Michelle Langton

In a recent project, the Street Smart team gathered 20 strangers and presented them with propaganda footage from Gaza that has circulated widely online but remains largely unfamiliar to many audiences. The aim wasn’t to provoke outrage or test media literacy in a classroom setting. It was to capture raw, unfiltered emotional reactions to material that reveals how narratives are formed at the source. The resulting video offers a candid look at how people process shocking content and how their perceptions shift when they see what is rarely shown on mainstream platforms.

The Structure of the Experiment

The format was simple. Participants were seated and shown a series of clips from Gaza, including children’s programming and broadcasts containing intense ideological messaging. No background information was provided, and viewers were not instructed on how to interpret what they were seeing. After watching, they were asked for immediate reactions.

The footage elicited a wide range of emotions. Some viewers were stunned by the content, admitting they had never seen anything like it before. Others expressed disbelief, questioning why this kind of material isn’t more widely discussed. A few were visibly shaken, saying the experience fundamentally altered their understanding of the situation.

By presenting the footage without narration or added commentary, Street Smart allowed participants’ genuine responses to emerge. The experiment revealed how propaganda can affect an entire generation. It can shock, unsettle, and force people to reconsider their assumptions.

Why This Project Matters

Sage Fox and Dorani aligned the purpose of this experiment with Street Smart’s broader mission of challenging prevailing narratives and encouraging critical thought among younger audiences. In an environment where footage spreads rapidly across digital platforms, propaganda can shape public opinion long before context catches up.

By showing the Gaza Indoctrination footage in a controlled setting and recording uncoached responses, the team aimed to expose the emotional and cognitive impact of this type of content.

“The first reaction is often the most revealing, because it shows how powerful images can be without context.”

The Range of Reactions

While each participant brought their own perspective, several themes emerged. Some expressed sympathy with the imagery itself, saying it was emotionally powerful.

One participant said, “It makes me question what I see online every day. How much of it is shaped this way?”

Their comments highlight how propaganda resonates differently depending on prior knowledge and exposure. Many viewers have simply never encountered such footage directly.

Street Smart’s Approach

This project continues a pattern established by Sage Fox & Dorani’s earlier videos. Rather than relying on experts or lengthy analysis, Street Smart focuses on real people and their honest reactions. The approach is simple but effective. Present potent material, listen to what people say, and share those moments with a wider audience.

The Gaza Indoctrination footage experiment fits this model. It doesn’t attempt to draw final conclusions or offer political commentary. Instead, it documents how people respond when they’re exposed to narratives that are usually filtered through intermediaries.

Implications for Media Literacy

Beyond its viral potential, the video raises broader questions about how people interact with powerful imagery online. Propaganda operates on emotional reflexes. As this experiment shows, those reflexes are often unexamined until they’re brought to the surface.

Sage Fox & Dorani hope that projects like this push audiences to think more critically about what they see and share.

“The purpose is not to tell people what to believe. It is to remind them that every image comes from somewhere, and that source matters,” they said.

Next Steps for Street Smart

As Street Smart’s platform grows, Sage Fox & Dorani plan to conduct similar experiments in different contexts. They intend to use their direct, street-level approach to highlight how people react when presented with challenging material.

The Gaza footage project is one piece of a larger mission. The team uses simple methods to shed light on complex issues. By focusing on authentic reactions, they continue to build a unique space in online media that blends cultural investigation with raw human response.

A Window into Unfiltered Thought

“We showed 20 strangers real propaganda footage from Gaza — and filmed their unfiltered reactions” is not a dramatic exposé or academic study. It is a clear, unmediated record of how individuals respond when confronted with material designed to persuade. In that restraint lies its strength.

By documenting these moments, Street Smart shows how awareness can begin with a pause. A brief space between seeing and believing.