The Chanin Building, 122 East 42nd Street, Suite 725, New York, New York 10168

Blog Post

Why You Need a Lawyer Before Filing an LTD Claim

Why You Need a Lawyer Before Filing an LTD Claim by Evan Schwartz

{3:40 minutes to read} Many years ago, before 1995, a professional could file a long-term disability claim on their own and likely get paid. After 1995, the industry changed dramatically. Many companies went out of business in the long-term disability space, claims were being denied and terminated like wildfire, and litigation spawned all over the country on a massive basis; a huge industry shakeup happened.

About ten years later, long-term disability insurers started selling these policies again, but they changed their claims management model. Rather than just cutting people off and litigating, they have and continue to spend a significant amount of time scrutinizing and evaluating the claims made by the insureds, before acknowledging they are liable to pay long-term disability benefits.

This scrutiny is the reason it is important to have a strategic game plan and understand what you may face when dealing with a long-term disability insurance company on your claim, particularly if you are a business owner, or a professional such as a lawyer, doctor, or dentist. If you are in the financial services industry, you may also have an enormous amount of monthly benefits at stake, and not having a plan can be costly, and potentially fatal, to your ability to get paid.

Complicated factual and legal issues often abound in long-term disability claims, with the level of complexity dependent on the situation:

Medical Scrutiny

•If a diagnosis is inaccurate or difficult to support,

•The health care provider or physician is unable, unwilling, or does not know how to support a long-term disability claim, or

•There is more than one disabling condition, with one being more significant than the others.

Financial Scrutiny

Long-term disability companies examine someone’s finances for purposes of determining if they have a motive to file a claim, as well as for a whole host of other reasons. Understanding what’s going on in your financial world and how it could affect your claim typically requires a level of analysis and complexity well beyond the skill of a lawyer without experience in this area.


Knowing when to stop working and file your claim, or when to change the way you work and file your claim, typically requires a complex analysis of your financial circumstances, the deterioration of your medical condition or conditions, as well as what is happening within your occupation itself.

Legal and Personal Issues

If you are separating from a private practice, a practice with partners, or a large company, there are always going to be issues involving the details of the separation for which you’ll need sophisticated legal advice.

If you are having or expecting to have health difficulties and think you may need to access your long-term disability policies, contact an experienced lawyer as soon as you can. My firm and I are here to assist you in evaluating any potential issues you may have and to help you make the right decisions for you.

Please contact us today at 212-608-5445 to discuss your situation.



Evan S. Schwartz
Founder of Schwartz Law

  • January 31, 2017
what our clients say about us


  • When I came to see Evan Schwartz, I had already shut down my business, was in the midst of a horrible divorce, had no income and hadn’t even filed a

    Business owner
  • Evan Schwartz and his team of lawyers fought for me like no one has ever for fought for me before. After a series of bad experiences with both doctors and

    IT Director
  • As a dentist with a private practice knowing I had no choice but to file a long term disability claim, hiring the right law firm was one of the most

  • As Vice President of a large brokerage firm, I did anticipate having a problem with Hartford Insurance Company and, for that reason, I was advised to apply for long term

    V.P. Brokerage Firm
  • Dear Michail: I just received the box containing my copy of the appeal you sent to the insurance company. To say I was overwhelmed would be a complete understatement. My

    Financial Services Manager

Latest News

Send us a message

Please leave this field empty.

Manhattan Offices

The Chanin Building, 122 East 42nd Street, Suite 725, New York, New York 10168

Toll Free: (800) 745-1755
Phone: (212) 608-5445

Garden City Office

666 Old Country Road, Ninth Floor, Garden City, New York 11530

Toll Free: (800) 745-1755
Phone: (516) 745-1122
Fax: (516) 745-0844