What is a functional capacity evaluation and how does it affect my LTD claim?

A functional capacity evaluation is one of the most consequential tests in an LTD claim. Conducted over one or two days by an occupational therapist, the FCE measures your actual physical capacity across standardized tasks: maximum lifting weight, positional tolerances (sitting, standing, walking), hand grip strength, and — in more sophisticated protocols — cognitive stamina under simulated work conditions. The resulting report classifies you as capable of sedentary, light, medium, heavy, or very heavy work under U.S. Department of Labor definitions.

Insurers order FCEs to support own-to-any-occupation transitions and to challenge treating-physician opinions that restrict you to less than sedentary work. A one- or two-day snapshot, however, may not capture variability, pain amplification after exertion (post-exertional malaise in ME/CFS, for example), or the cognitive toll of sustained work. If the FCE result contradicts your treating physician’s functional assessment, your attorney should challenge the methodology in the administrative appeal.

You can also use an FCE proactively — retained by your attorney before the 24-month transition — to create an objective record of your limitations. A well-documented FCE paired with a treating-physician statement and a vocational rebuttal is the strongest administrative record you can build.

Under Glenn, courts may weigh the insurer’s conflict of interest when its FCE vendor has a track record of insurer-favorable results. Build your record during the 180-day appeal window under 29 CFR 2560.503-1. No fee unless we win.