If you have recently been laid off from your job, or were unable to work due to a disability, you should contact a disability insurance attorney to help you navigate the process. In order to make the most informed decision possible, you should request a copy of the group LTD plan that you are currently a member of. This will contain important information, such as deadlines, the evidence you will need to prove your disability, and the types of medical conditions that qualify you for benefits. Employer-sponsored disability insurance ERISA (Employee Retirement Income Security Act) is a federal law that...