Disputes between claimants and insurance companies can often arise during long-term disability cases. Contracts between you and your insurance company can be very convoluted and contain a number of hidden loopholes. Claimants depend on the security of a long-term disability contract. Unfortunately, they are often left facing a mountain of bills when their claim is denied. Long-term disability claims usually mean substantial and ongoing benefit payouts. For this reason, insurance companies will often try every angle to deny the benefits that you deserve. They can get away with this because often the claimant is not adequately informed of the provisions of their policy.