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What makes you eligible for long term disability or LTD benefits ?Again, the old mantra: individual long term disability policies differ. However, in general terms, you are eligible to receive long term disability benefits when you have 1. satisfied the requirements of your ltd policy, 2. have made it through an elimination period of pre-determined length for your long term disability plan, and 3. have been determined to have a physical or mental impairment that has resulted in a loss of a portion of your income.This, of course, sounds simple enough. Unfortunately, filing a claim for long term disability benefits is usually not so cut and dry. Typically, a long term disability insurer will not go out of its way at all to explain the provisions of your long term disability plan or even the definition of disability that is used by your carrier. And there is a reason for this. By giving you as little information as possible, the long term disability insurer can develop "the record" as it chooses, making it easier for them to deny your long term disability claim, and harder for you to eventually win your Ltd benefits. 
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