Long-term disability is a type of disability insurance that provides financial support for those unable to work for an extended period due to illness or injury. Individuals may qualify for long-term disability, as opposed to short-term disability, after at least 24 months of inability to work. Long-term disability replaces a portion of your income and can last until retirement.

Disability insurance typically doesn’t cover pre-existing conditions, self-inflicted injuries, substance abuse, injuries sustained in wartime, cosmetic surgery, or mental health conditions.

You typically have 180 days to appeal a denied disability claim. You must submit your appeal within six months of receiving the denial letter. It’s crucial to gather all necessary evidence during this time, as evidence submitted after the appeal deadline may not be admissible in court. A disability attorney can help you navigate the appeal process.