Answer: If you have an illness that leaves you unable to work for a prolonged period of time and you have access to short-term or long-term disability benefits under a group benefits policy, you should consider making an application. Disability benefits are meant to provide income replacement if an employee (insured person) is unable to work due to injury or illness. Illnesses can include both mental and physical illnesses including depressive disorders, mood disorders, cancer, neurological conditions that would affect a person’s ability to perform the essential functions of his or her job. If you are making a claim for disability benefits as a result of an illness, be sure to include as much medical information as possible with your application including specialist reports, consultation notes, blood work, surgical reports and any documentation that shows how your illness affects your ability to work and that explains what your restrictions are. Insurance companies want evidence that you are receiving proper treatment, complying with treatment and attending appropriate physicians.