Add Comment Question: How do I claim long term disability physical and mental I live in a nursing home and can't Really afford it plus it's not very good for my needs I'm epileptic have dementia and no balance Answer: You can only apply for long term disability ("LTD") if you have a policy in place. If you have such a policy, you can contact the insurer and fill out the necessary forms and submit the medical information/documentation required for consideration. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.