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When is the best time to file a long term disability insurance claim?

Wednesday, September 13th, 2017

Figuring out when to file a long term disability insurance claim is not as simple as you might think. If your disability insurance policy is part of your benefits package at work, you might have to exhaust your short term disability coverage first. If you have a private disability insurance policy, there may be a window of time that elapses between the time you visit your doctor and file a claim and when benefits may be paid to you.

People who are reluctant to stop working face an ever bigger series of challenges. What happens when your disability starts having an impact on your ability to perform the tasks of your job-like a chiropractor who can no longer treat patients without modifying the treatments she gives because it simply hurts too much? Or a sales professional who can’t make the same numbers because he is not able to manage a heavy travel schedule. How long do you wait and how low do you let your numbers get before deciding it’s time to file a claim?

That’s where we come in. At Frankel & Newfield, we have represented countless people who, for a variety of reasons, were hoping that they could continue to keep working even when their disability was having a negative impact on their performance levels. We work with clients and their treating physicians to come up with a plan that begins when our clients realize that they really do have to stop working.

By working closely with clients at the beginning of the claim, we are able to use our years of experience to help navigate the complex processes associated with filing a disability claim. For high-income earners or business owners, a successful disability claim can make the difference between a family that can continue their lifestyle and one that has to completely shift to a new and often harsh economic reality.

What happens when clients come to us after their claim has been denied? This is a more common occurrence. Many claimants are lulled into a false sense of comfort by going onto the disability insurance company’s website and doing an online application. It seems as easy as anything else they do online, after all. The surprise comes when a letter or email arrives stating that their claim has been denied, and providing a deadline for filing an appeal.

There is no flexibility in most long term disability insurance claim deadlines. Many lawsuits have been filed with deadlines at the center of the legal issue, and in most cases, the rulings favor the insurance company. If you receive notification that your disability claim has been denied, do not wait to contact an experienced long term disability insurance lawyer. A delay could cost you the ability to ever file an appeal and ultimately have your case heard in court, if necessary.

If you’re contemplating filing a disability claim, or if your claim has been denied, call our office at 877-LTD-CLAIM (877-583-2524). Remember that time is not on your side, but the disability insurance law firm Frankel & Newfield is. Call today to learn how we can help.

Justin C Frankel

Written By:

Justin C. Frankel - Disability Insurance Attorney

Justin Frankel is a founding partner of the disability insurance law firm Frankel & Newfield and is a highly skilled litigator and advocate. He has published numerous articles on the challenges facing clients with private or individual disability insurance policies and those who own group or ERISA disability insurance policies.

Learn more about Justin | See Justin’s Publications



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Sorry, we do not handle SSDI/Social Security claims.

Frankel & Newfield does not currently handle any Social Security Disability Insurance claims.


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This is about a Social Security Disability claim.

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