Be sure to appeal denials within the stated time limit. Also consider obtaining functional capacity evaluations or vocational appraisals by persons trained to assess your ability to work full or part time if you have not done so already Any of these strategies will also strengthen initial applications for benefits. Ask if you can bring an observer or tape recorder to the examination. Avoid appearing antagonistic, but be prepared to document any irregularities in the examination or indications of obvious bias by the examiner. Expect difficulties after the first two years of your claim.
Many insurers try to limit their liability to a maximum of two years of benefits.
After two years, depending on the contract your insurer has with your employer, you may need to prove disability from any occupation to be eligible for further benefits. Also be prepared for increased frequency of IMEs, home visits, surveillance, harassment and attempts at intimidation.