Even while your disability type qualifies you for claims, you may not be eligible to file right away, as most LTD plans have a waiting period or “elimination period” of around 90 or 180 days. In general, before you can apply for LTD claims, you must first have consumed your sick time and short-term disability benefits.
Other restrictions in LTD claims exist, such as a cap for mental conditions, and the duration by which you may receive benefits. Taxability of the benefits may also be a question. Given all these complexities, it would be best to apply for claims on your long-term disability policy with the help of a lawyer experienced in Massachusetts LTD benefit laws.