Add Comment Question: I have been on LTD for a year. Recently the insurance agent keep asking for doc notes nearly every month and ask to fill a lot of forms. I can feel like they are trying to cut my benefits. When is the right time to hire a lawyer so I dont have to deal with them?? Answer: I'm going to email you about this directly. 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.