Answer: If your claim for long-term disability benefits has been denied (i.e. you have been denied entitlement to benefits, or you were receiving benefits and the insurance company has terminated benefits), by hiring a disability lawyer, you can start a court action against your insurance company. What you are suing for is a declaration of coverage (that you are entitled to benefits) and a reinstatement of benefits (also referred to as getting back on claim). When settlement of your case occurs, you have the option of receiving a lump-sum settlement or reinstatement of benefits. It is often the case that a lump-sum settlement occurs. If you have questions about the legal process or how a lawsuit works, contact a disability lawyer today.