How to Get Started With A Long-Term Disability Claim in Washington, D.C., Maryland, and Virginia

Navigating Long-Term Disability: Start the Process Today

If you have long-term disability insurance through your job in Washington, D.C., Maryland, or Virginia, securing those benefits is essential. This is especially true if your claim has been denied or delayed.

Many policies are offered through major insurance companies like MetLife, Guardian, or Hartford. If your employer pays the premium, you may have strong protections under federal law.

At Donahoe Kearney, we help people navigate the complex process of long-term disability claims and appeals. Here’s what you need to know to get started.

Take Action Early if You’re Hurt or Sick

If a serious injury or illness is keeping you from working, don’t wait. The first step is to understand your long-term disability policy. This document outlines what benefits you may be entitled to—and what rules you have to follow.

Know What Your Policy Says

Get a copy of your long-term disability policy and read through it carefully. Every policy is different, but focus on how it defines “disability,” your job or “occupation,” and how long benefits will last.

For example, if you’re a healthcare worker and hurt your neck lifting a patient, your policy might not cover injuries that happen at work. It’s important to know how your policy defines your role—whether it’s based on your exact job or a broader description of your field.

How to Prove You Qualify for Benefits

To get long-term disability benefits, you’ll need strong medical and job-related evidence. Insurance companies often deny claims unless the evidence is detailed and clear. If you’ve been denied, getting help with your appeal can make a big difference.

When we file your appeal, we focus on building the strongest case possible. That means working with your doctors, gathering the right records, and explaining exactly how your condition prevents you from working. A successful appeal can reverse the denial and get your benefits started.

Click here to learn more about our 5-point plan for your appeal.

If Your Long-Term Disability Claim Was Denied, Don’t Wait to Get Help

At Donahoe Kearney, we handle long-term disability claims in Washington, D.C., Maryland, and Virginia. The appeal process can be confusing, and insurance companies make it hard on purpose. We’ll walk you through every step and help you build the strongest case possible. Most appeals have a strict 180-day deadline—so it’s important to act quickly.

Give us a call at 202-393-3320 or schedule your free and confidential consultation here. Our team is dedicated to helping you navigate the complexities of long-term disability benefits, ensuring you receive the support you deserve.