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Long-term disability

A second opinion with the price up front

An LTD second opinion is an independent assessment of what you can do, for how long, and with what limits. The price appears before you book.

The exam

What happens

When your insurer's exam says you can work and your doctor says you cannot, a second opinion breaks the tie. An independent specialist assesses what you can do, for how long, and with what limits.

Checklist

What to bring

  • Denial or assessment letter, if you have one
  • Photo ID
  • Current medication list