How Long Does Long Term Disability Take to Process?
After you submit your long term disability claim application, the wait for disability insurance approval or denial can seem to take forever. What should you expect while waiting for your disability claim decision, and what should you know about the all-important “elimination period” for disability insurance claims?
Factors That Affect A Disability Insurance Claim Decision
One of the key factors affecting the timing of your disability insurance claim decision will be the disability insurance policy language itself. Each policy sets its own parameters for approval, and each time the insurance carrier must reach out to the claimant for more information or to follow up on an issue adds a bit more time to the process. A disability insurance attorney can work with the claimant to ensure that the disability insurance claim package is as complete as possible, speeding the process; and if the disability insurance claim happens to be denied, the disability insurance attorney can also assist with the disability insurance appeal process.
What Is An “Elimination Period”?
An elimination period is the period you have to be disabled before your long term disability insurance policy kicks in. In other words, very few disability policies begin paying claimants on Day 1 of their disability – the claimant may need to wait 90 or even 180 days after the onset of the disability to start receiving benefits.
In most cases, the process of approving a disability insurance claim will be longer than the elimination period, and claimants therefore may receive retroactive benefits that are backdated to the end of the elimination period. For instance, if you were disabled March 1, your policy has a 3-month elimination period, and your disability claim was approved on November 1, you’ll receive retroactive disability benefits from June 1 through October 31.
What To Expect While Waiting To Get A Long Term Disability (LTD) Insurance Claim Decision
Once a disability insurance claimant has satisfied the elimination period, they can generally expect at least 60 days to pass before a decision is made. There may be some additional back-and-forth during this process as the LTD insurance carrier sends a follow-up letter for more information and the claimant provides it.
However, disability insurance claimants need to be aware of the delay tactics disability insurance carriers often use. By requesting necessary information in a piecemeal fashion, these carriers can stretch out the disability insurance approval or denial period from the typical 60 days to 6 months or more. An attorney can help figure out all the information the disability insurance carrier needs and provide it in one fell swoop, minimizing the need for follow-up communications and helping you receive your disability benefits more quickly.
If you’re wondering just how much longer you’ll need to wait before your disability insurance claim is approved, Dell & Schaefer can help. With a network of disability insurance attorneys all over the U.S., our office boasts extensive experience in negotiating with long term disability insurance carriers and can help you efficiently resolve your disability insurance claim.
Resources to Help You Win Disability Benefits
Get Your Disability Application Approved
Prevent a Disability Benefit Denial
Negotiate a Lump-Sum Settlement
Our goal is to negotiate the highest possible buyout of your long-term disability policy.
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Reviews from Our Clients
Very satisfied with the work of this team. Took well care of my case and took all the necessary time to be responsive and attentive when I had questions. Guided me through recovery and returning to normalcy. All thanks to Jason & Tabitha, thank you!
I’m extremely satisfied with the experience I have had with this firm from day one. The lawyer who has handled my case, Alex, is very efficient and attentive to all my questions and concerns. They are always aware of how my case has gone and they care about my health. I feel optimistic with them because they are very attentive during the process of my claim. I would not hesitate to recommend families and friends if in any situation they need their services. Kathleen as well has been very well and assisted me with this case. I highly appreciate everything they have done for me.
It’s unfortunate when disability insurance companies come after older disabled policyholders just to help their bottom line. It can be a living nightmare the damage they can do to a family. Dell Disability Lawyers are polite, understanding and knowledgeable. They call you back and answer any question you have no matter how unimportant it can be. The amount of stress they took off of myself and family was incalculable. I recommend them highly to take care of any disability case whether it be filing for benefits or reversing a claim decision. They are outstanding.
I could not have been happier or more appreciative of the hard work they performed on my behalf. I was well briefed on my case and it was closed in a timely manner with a financially successful resolution.
Mr. Symonds and Sonia as well as everyone else we have worked with throughout this process have been very helpful, professional and caring to our situation. We are very thankful to have this great team on our side.
Without them my LTD company was dropping my plan with me still suffering from my accident, even with doctor’s statements I’m still disabled. The LTD company didn’t want to advance my policy to the next stage of years of pay. Dell Disability Lawyers saved my policy, and helped to enforce the LTD company’s own policy (for its policy holder, me) that I would be covered still under the LTD policy I had paid for at my previous job, when my accident occurred. These lawyers know what they are doing and can help you too. LTD companies will try to drop you when you still need coverage just because they don’t want to pay on your policy anymore. Don’t let them break contract with ya because they are trying to get out of it. Hit em with legal action to ensure the continuation of your policy you paid for. Dell Disability worked very well for me and continue to do so.
I was denied long term disability benefits from The Hartford after being on it for years. I found Dell Disability Lawyers after doing research online. In a matter of days they responded and explained to me everything that would be done. Dell Disability Lawyers were able to settle my suit against The Hartford very quickly and responded to me quickly. I would definitely recommend this team of lawyers for anyone that is fighting for their disability insurance.
I have had nothing but a great experience with Dell Disability Law Firm. Mr. Alex Palamara and his team went above and beyond my expectations. They will respond to emails and phone calls in a timely manner. Thank you once again for taking my case.
This law firm is the best so far. MetLife denied me two times, they appealed two times for me and they won of course. So if you are on disability and want a chance at winning your case use this firm Dell disability lawyers, kind courteous understanding and they get the job done. You won’t be disappointed.