Long term disability (LTD) insurance provides financial protection to individuals who are unable to work due to a... moreLong term disability (LTD) insurance provides financial protection to individuals who are unable to work due to a disability. However, filing an LTD claim can be a complex and daunting process, especially when dealing with an illness or injury. In this article, we will provide a guide on how to file an LTD claim, including your rights and options.