First, your employer must have an LTD policy in place for their employees with an insurance company. These are so-called group policies. If you or your employer only has an insurance policy for short-term disability (STD) benefits, then you will not receive LTD benefits. In that eventuality, there are no LTD benefits to be had by any employee. Second, just because your STD benefit were approved, your LTD claim may not be approved. Because LTD benefits are paid out for a longer period of time, insurance companies need convincing proof that you need the benefits. It is a good idea to retain an LTD lawyer at Verkhovets Law, to help you with an LTD claim, especially if it has been already denied by an insurance company. Once you receive a denial letter, we do not recommend taking any steps without consulting an LTD lawyer at Verkhovets Law. Engaging in internal appeal or review process may interfere or even disentitle you from bringing a lawsuit against the insurance company.