"Proof of loss or how soon must I file my long term disability claim can be tricky. Insurance companies love it when you're not sure whether you qualify for disability. So you wait. You treat. You get medicated. And then 90, 120, six months later, you call for the insurance forms. Your insurance company is going to say, you delayed too long. If you're disabled, call for your forms. Get your claim filed quickly so the insurance company can't say you prejudiced their investigation." -Frank Darras