How to Insure Your Income: How to Make an Income Insurance Claim Conclusion

Making an income insurance claim can be difficult, because the amount of money involved can be substantial over a long period of time. Be prepared to deal with a bureaucracy when you make a claim -- it's how the system weeds out fraudulent or questionable claims.

You'll have to file initial claim forms and maintain regular status updates in order to keep long-term benefits coming in.

The process can get even more difficult if you're relying on one of the statutory programs -- workers' comp, state unemployment insurance or Social Security -- for coverage. These programs are even more bureaucratic. And they offer even smaller benefits.

While you may choose to use a life insurance policy, statutory program or some other alternative to insure your income, the claims process makes one point strongly: The best way to have a claim paid promptly and well is to make it on an individual LTD policy.