There are keys to filing the best initial claim possible. You must pay close attention before you file because a small error or hole in your claim can force you to the appeals process and add time and hassle to your disability claim. It can even jeopardize whether you get benefits at all. Here are some things that you should do when filing your initial ERISA long-term disability claim: Familiarize yourself with the language of your disability policy Review each of the required parts of your application (employee statement, employer statement, physician’s statement) and understand the expectations Take the time to review all of the necessary paperwork Create a robust medical record in support of your disability claim because this will form the basis for the insurance company’s decision Make sure to remain organized throughout the process When you file an ERISA long-term disability claim, be very careful about your activities, both in-person and online. Insurance companies routinely watch applicants while reviewing their claims. It is entirely legal for them to do this. They may also try to review your social media accounts. If they find information that is different from what they see on paper, they can use this as a basis to deny your claim. Do not post anything online that can undercut your claim.