Navigating long-term disability (LTD) benefits is complex enough. Add workers’ compensation into the mix, and things get even trickier. If you were injured on the job and also qualify for LTD through your employer, you might wonder: can you receive both? And if so, how do they affect one another?

Filing for long-term disability (LTD) benefits is difficult under the best of circumstances—but for individuals managing mental health challenges, the process often feels even more discouraging. The reasons for this disparity are layered: stigma, policy restrictions, subjectivity in diagnosis, and insurer bias all play a role.

Getting long-term disability (LTD) benefits approved is a major milestone. After months—or even years—of paperwork, doctor visits, and insurer pushback, you finally get confirmation: your claim is accepted. But approval doesn’t mean you’re done. In many ways, it’s the start of a new phase.

Facing a denied Long-Term Disability claim can be overwhelming. The appeal process is complex, deadlines are strict, and insurers often use every loophole to avoid paying out benefits. That’s why choosing the right LTD lawyer can make all the difference between a successful appeal and a continued denial.