Long-term disability policies are very different from insurance that’s legally required (like car insurance, for example). Because you aren’t required by law to have it, there’s no “standard” policy. LTD policies are completely customized and can be completely different from one to the next.
That’s convenient when you’re looking for the right insurance coverage, but it also means that making a claim can get very complicated. Information you find online may not apply to your case at all. If you’re in a union, your collective agreement may also affect the way your insurance policy works.
These are the basic steps of an LTD claim, but because each claim is so different, we strongly suggest talking to a lawyer about your claim.