Expert Analysis

How long-term disability insurers are redefining who qualifies for benefits

By Harlan Pottins ( April 30, 2026, 3:23 PM EDT) -- Long-term disability claims involving chronic pain and mental health conditions are being denied or subjected to prolonged review at rates that have increased meaningfully over the past several years. The conditions most affected are not those with straightforward, objectively measurable pathology. They are fibromyalgia, chronic pain disorder, treatment-resistant depression, generalized anxiety disorder, PTSD and the expanding cohort of claimants dealing with long-COVID sequelae....