You should obtain a copy of the LTD benefits application form from your HR department or directly from the insurance company. Carefully read over your benefits policy to determine what responsibilities you may have under the policy and whether there are any elimination, qualifying, or waiting periods. An elimination period refers to the amount of time that you must be disabled prior to applying for benefits. During this time, gather as much supporting documentation as possible regarding your disability so that you will be prepared to file a complete disability claim.