• How Long Does Long Term Disability Take to Process?

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.

Comments (2)

  • I am in need of clarity or help. I have been out of work since September 2021. I am under The Standard through the State of South Carolina. I was resigned my position on February 28, 2022. My LTD was closed on February 28, 2022, but the information was sent into The Standard on February 22, 2022. I have been in touch with The Standard to get things reopened, but it seems like I am getting the run around. They wouldn’t reopen with the information that was sent, they want to see this or wait on that. I have no income and I am at my wits end because, I have obligations that need to be taken care of. Please help.

    Joy May 3, 2022  #2

  • Are companies allowed to close a claim without warning the person?

    Jessica M. Feb 15, 2022  #1

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Questions About Hiring Us

Do you work in my state?

Yes. We are a national disability insurance law firm that is available to represent you regardless of where you live in the United States. We have partner lawyers in every state and we have filed lawsuits in most federal courts nationwide. Our disability lawyers represent disability claimants at all stages of a claim for disability insurance benefits. There is nothing that our lawyers have not seen in the disability insurance world.

What are your fees?

Since we represent disability insurance claimants at different stages of a disability insurance claim we offer a variety of different fee options. We understand that claimants living on disability insurance benefits have a limited source of income; therefore we always try to work with the claimant to make our attorney fees as affordable as possible.

The three available fee options are a contingency fee agreement (no attorney fee or cost unless we make a recovery), hourly fee or fixed flat rate.

In every case we provide each client with a written fee agreement detailing the terms and conditions. We always offer a free initial phone consultation and we appreciate the opportunity to work with you in obtaining payment of your disability insurance benefits.

Do I have to come to your office to work with your law firm?

No. For purposes of efficiency and to reduce expenses for our clients we have found that 99% of our clients prefer to communicate via telephone, e-mail, fax, GoToMeeting.com sessions, or Skype. If you prefer an initial in-person meeting please let us know. A disability company will never require you to come to their office and similarly we are set up so that we handle your entire claim without the need for you to come to our office.

How can I contact you?

When you call us during normal business hours you will immediately speak with a disability attorney. We can be reached at 800-682-8331 or by email. Lawyer and staff must return all client calls same day. Client emails are usually replied to within the same business day and seem to be the preferred and most efficient method of communication for most clients.

Dell & Schaefer Client Reviews   *****

Rhiannon H.

I have a rare genetic condition that my insurance company didn’t want to acknowledge. Stephen and his aide Sonia worked tirelessly for over a year and successfully forced The Standard into covering my policy. They are both empathetic and effective, the best combination.

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