When you are thinking about making a claim for benefits under a long-term disability insurance policy, the first place you will likely turn for information is your employer's human resources department. They will have the first forms that you need to fill out to start your claim.
You may have strategic or tactical questions about filing for disability. The very well-meaning folks at the human resources department are not the ones from whom you should be getting strategic or tactical advice about your claim. They are not disability claims experts and they have never had to battle the disability insurance company to get benefits.
If you have questions, you should speak to an experienced disability insurance attorney in your area.
