I am on LTD through my previous employers policy. It was effective after being off work for 6 months before it came into effect. As Lit Love said they require for me to be on SSDI after 36 months. I have started the process and they provide the legal assistance.

I was not diagnosed with RSD yet when my claim with my LTD insurance was filed and approved. At that time it was considered post surgical nerve damage. I have limited use of my hand that started after surgery.

I can try and answer or help you with any questions. The LTD process took a little bit, but my adjuster who worked on the case was pretty helpful in the process.