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If you are disabled and no longer able to work in your chosen occupation, it is crucial that you seek medical care immediately. However, even a diagnosis from your doctor is not always enough proof of your condition for a Long-term Disability insurance carrier. Most carriers have doctors working for them, and will no doubt compel you to be examined by one of them. Should their doctor (who doesn’t know you or your condition) disagree with your doctor (who has been treating you), the insurance carrier most likely will deny your claim. Still, a comprehensive diagnosis as well as prognosis from your treating doctor, along with specific medical documentation, is absolutely necessary for the possibility of a successful outcome.