I once represented a software engineer whose application for long-term disability benefits through his employer was denied by the LTD insurance company. Despite the fact that this gentleman's intellectual capabilities were grossly impaired as a result of his growing brain tumor and he was having difficulty walking, the insurance company refused to pay him benefits. A claims representative called his doctor to ask if the engineer were capable of light duty. The physician replied, “Well, of course he certainly could push a broom or perform other light tasks.” The insurance company denied the claim, saying that a "software engineer" job was a "light duty" job, and therefore he was not disabled. The insurance company completely ignored the fact that he was disabled from performing his regular job because of the brain tumor which destroyed his ability to work as a software engineer.
Many long-term disability insurance companies are completely without shame. Don’t let them cheat you.