How To Claim Long Term Disability Insurance? 
I presume that you have purchased a long term disability policy as this is the logical precursor to being able to file a disability claim . Assuming this to be the case , then you or a friend or family member should contact your insurance agent or the insurance company you purchased your disability policy through and inform them that you have had a disabling event and need to file a claim . If your disability policy is provided by your employer you may want to contact your human resources department to start the claims process . In either event , you will be sent a claim form to complete and return to the insurance carrier . You should expect that the insurance carrier will request medical documentation of your claim of disability and perhaps the circumstances surrounding the cause of your disability . If you were charging people to watch you attempt to jump over the Grand Canyon in your Mini Cooper you may find that your disability claim will be denied due to an exclusion in your policy . Depending upon the how your disability policy was structured there will quite likely be an elimination or waiting period before your disability payments will begin . This period will vary depending upon the waiting period you selected when purchasing your policy . A 90-day waiting period is quite common but it could be 6-months or even a year . This is why some people purchase both Short Term and Long Term Disability policies . A Short Term Disability policy that kicks in on day one of an accident or after a week of an illness and that runs for 90-days or 6-months combined with a Long Term Disability policy with a 90-day or 6-month waiting period can often be less expensive and trying to purchase a Long Term Disability policy with a very short waiting period . 