Making the LTD claim is the first and most difficult step of the process. The paper work is NOT simple, nor is it quick/short. For some, simply getting the LTD claim forms from the employer or the insurer is difficult. They both know that you want the forms to go on disability. And for both employer and LTD insurer alike, this isn’t good news. We see employers and insurers who are sometimes slow or reluctant to get people the forms they need to make an LTD claim.