Many medical conditions can qualify a person for LTD coverage. Most insurance policies do not list specific medical conditions because there are too many. Instead, the deciding factor is how a disability affects an individual’s ability to work. A doctor must certify that the policyholder cannot work (either in their own profession or any profession) based upon their disability. If the insurance company does not agree with this determination, it has the right to require the claimant to have an independent medical exam from its doctor. Despite the name, a doctor the insurance company employs performs this independent exam, so some bias against the claimant can result. A disability lawyer can help claimants protect their legal rights regarding an independent medical examination. If the insurance company’s doctor determines that the disability does not prevent the claimant from working, the insurance company will deny the claim altogether. There are many different ways that the claimant can challenge this finding to protect the policyholder’s contractual right to insurance coverage.