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If you've become unable to work because of a medical condition, you may qualify for long-term disability benefits if you have long-term disability insurance, either as an individual or through your employer. But it's not always easy to get approved for benefits; many insurance companies are practiced in ways they can legally deny you benefits. Learning about your LTD policy and common mistakes can help you get approved for benefits. But if your claim gets denied like so many others, don't let it go --appeal the denial on time and keep fighting for your benefits.