When addressing claims, different approaches to handling each disability claim are necessary because contractual provisions can vary dramatically, especially when addressing the definition of "tota" or "partial" disability.

This unique resource will help attorneys learn about four types of long-term disability (LTD) insurance: individual, group, Social Security, and Veterans Affairs. They will obtain detailed information about the claims process, including common reasons claims are denied, frequent filing mistakes, and how to guide clients through effective communication with claims examiners and physicians. The author utilizes decades of on-the-job experience to help attorneys understand the LTD claims process and guide their clients through it successfully.

This publication is likewise a valuable resource for lawyers who are counseling clients who are considering the purchase of individual or group disability coverage, as it discusses all the many definitions of disability. It explains the types of coverage and the related terminology, as well as how to achieve full protection.