If your long-term disability claim has been denied, you should not take "no" as the insurance company's final answer. In most circumstances, you have the right to submit an appeal challenging the benefit denial; and if the appeal is unsuccessful, a wrongfully denied claim may be litigated in court.
What most people don't realize, though, is that the pre-suit appeal may be their last opportunity to present evidence that a court will consider. Therefore, since a well-prepared appeal is critical to a successful outcome in court, the time to seek assistance is immediately after you receive a denial. Waiting until the appeal is denied to start looking for representation may be too late. An experienced representative will recognize what needs to be included with the appeal such as additional medical evidence or input from a vocational rehabilitation consultant.