If your employer offers you long-term disability (LTD) coverage as part of a benefits package, or if you’ve purchased an individual policy on your own, you may be eligible to continue receiving most of your salary in the event you become unable to work. A person filing an LTD claim has a number of hurdles to clear, however, before benefits will be approved. The most important is to prove, with medical evidence, that you meet your insurance policy’s definition of disability. But there are also requirements related to waiting periods, premiums, and minimum number of hours worked that you must keep in mind when applying for LTD benefits. Read more.