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If a disability for which benefits were payable ends but recurs because of the same or related causes no more than 90 days after the end of the prior disability, it will be considered a resumption of the prior disability. Under these circumstances there is no need to satisfy another elimination period.
1 Here are the most common reasons that long-term disability claims get denied. 2  Appealing a Denial of Long-Term Disability Insurance. 3  Take these steps if your long-term disability claim is denied by the insurance company.