How Long Should My Disability Claim Take To Get Approved?

Waiting for a decision on a long-term disability (LTD) claim can be frustrating, especially when you are relying on that income while dealing with a serious health condition. Delays are common and can occur for many reasons—some routine, others more concerning. Understanding the cause of a delay can help you take appropriate steps to protect your rights.

Under ERISA, insurers generally have 45 days to make an initial decision on a claim, with up to two 30-day extensions allowed, for a maximum of 105 days. Any extension must be explained in writing, including the reason for the delay. If proper notice is not given or the reason is not valid, the extension may not be enforceable.

Delays often result from internal reviews, independent medical exams, or third-party evaluations, all of which can add weeks or months to the process. Incomplete or inconsistent medical records, gaps in treatment, and administrative backlogs are also common causes. To reduce delays, it is important to gather complete medical documentation and ensure accuracy before submitting a claim.

While insurers can request additional information, repeated or duplicative requests may indicate claim-handling issues rather than legitimate needs. In some cases, delays may be used strategically to prolong the process or pressure claimants. Warning signs include lack of clear communication, unanswered inquiries, repeated requests for the same information, or delays extending beyond ERISA deadlines without explanation.

Keeping detailed records of all submissions and communications is essential. If a claim is significantly delayed, unclear, or appears mishandled, consulting an experienced ERISA disability attorney can help protect your rights and guide your next steps.

If you feel that your claim is taking too long to be decided, or if the insurer is acting in bad faith, contact us to discuss your options and see how we can help.

Operana Law Office | Long-Term Disability Attorneys

Reach Attorney Brandon Operana directly at: (612) 568-8607