If you are a C-Suite executive or a knowledge worker (systems engineer, computer coder), you are a hero to your family. You have achieved by your hard work; your persistence and knowing how to use your brain and your talent set to serve others and make money. You’ve probably had a business coach in your life to guide you.

Now, something has happened to your life that affects either your ability to think or your overall energy level.  If you now find that you cannot do your occupation that requires you to be 100% on your game in order to compete, you are probably hearing some version of this from the long-term disability insurance company:

  • You sit behind a desk, you don’t lift things, you can sit for more than 6 hours a day, therefore you must be able to do your job.
  • Your condition is progressive but you’ve worked for a long time with it, what’s different now?
  • Your don’t have any negative performance reviews, your company loves you.
  • All of your cognitive complaints are self-reported, your doctor is just writing down what you say to them
  • Fatigue? Everyone’s a little tired, what’s the big deal? Besides, we think “work” is only 40 hours, not the 65 you are trying to work
  • Your doctors can’t even agree on what your diagnosis is, without a proper diagnosis how can we believe you have a disability?

You may have already received a we are going to deny you letter.

Here are some great tips from C-Suite long term disability expert Ben Glass on How C-Suite Executives and Knowledge Workers Can Bulletproof their Long-term Disability Claim.