Long-term disability benefits provide financial assistance for those who have suffered an injury that prevents them from being able to return to work for an extended period of time. Most long-term disability policies provide benefits for the first two years if you are unable to perform the essential tasks of your own occupation. In order to continue receiving long-term disability benefits after the first two years, you must be unable to perform the tasks required by any occupation for which you are reasonably qualified by education, training or experience. An insurance company may deny your long-term disability claim or terminate your long-term disability benefits for a variety of reasons. Some of these might have a simple solution such as ensuring all the requisite forms and documents are sent to the insurer for review, but others might require the assistance of a lawyer to help you obtain or retain your benefits. ​ If your long-term disability benefits have been denied, contact one of our disability specialists for a free consultation.