Denied Long-Term Disability (LTD) benefits through an employer group plan or an individual policy? That is a different process from SSDI or SSI. SecureClaim LTD explains your coverage, helps you build a complete claim or appeal, and can connect you with an independent ERISA or individual-policy attorney.
SecureClaim LTD is a free education and self-service platform for people navigating short-term and long-term disability leave, and for people appealing an LTD denial. It covers both major tracks: employer group plans governed by ERISA, and individual disability policies that are not. SecureClaim LTD is not a law firm, is not affiliated with any employer, insurance carrier, or benefit plan, and does not decide claims. It educates you on how the process works and, if you want it, connects you with an independent attorney who takes ERISA and individual-policy LTD cases.
An LTD policy through your employer is almost always governed by ERISA, a federal law with its own internal appeal process and strict deadlines. An individual policy you bought yourself usually is not, and follows your state’s insurance rules instead. SecureClaim LTD asks a few questions up front and routes you to the right track.
Claim Ready is our neutral, plain-language guide to the disability leave process: understanding STD versus LTD, filing a complete and honest application, and knowing what to expect from records requests, calls, and independent medical exams (IMEs).
A guided path whether you are about to file, gathering evidence, or already denied and on the clock for an ERISA appeal.
STD versus LTD, elimination periods, and the own-occupation versus any-occupation definition, decoded from your actual policy terms.
The application, and later the appeal record, is the evidence. We help you gather specific physician statements and real job duty documentation.
ERISA internal appeals typically must be filed within 180 days of denial, and the administrative record often closes after that appeal. We keep your dates in view.
If your case calls for it, we can connect you with an independent ERISA or individual-policy LTD attorney. Any fee is discussed with you before you agree to anything.
Claim Ready is free, neutral education your HR team can put in every leave packet. It means fewer confused calls to HR and cleaner, more complete claims.
SecureClaim LTD does not decide your claim, negotiate with your carrier, or guarantee an outcome. It is education and tooling to help you understand your policy and build a complete, well documented claim or appeal. If representation makes sense, we can introduce you to an independent, licensed attorney who takes LTD and ERISA cases. That attorney, not SecureClaim, decides whether to take your case, and discusses fees with you directly before any engagement.
Important. SecureClaim LTD is not a law firm and does not provide legal advice. It is not affiliated with your employer, your insurance carrier, or any benefit plan. Only your plan administrator or carrier can decide your claim, and ERISA appeal deadlines are strict, so do not wait to start.
Understand your policy, build your claim, and get matched with an independent attorney only if and when you want one.