Long Term Disability Claims: How Long Should An Approval Or Denial Take?

When you've been injured and have submitted a long term disability claim, chances are that you're functionally incapacitated or living in an assisted living facility and need your long term disability benefits right away. Unfortunately, many of the nation's largest long term disability insurance companies such as the Unum Group, Reliance Standard, Liberty Mutual and others only see you as a number and not someone who needs help.

How long should a long term disability approval or denial take?

Long term disability lawyers say that you have to look at the long term disability policy, which is a contract, and determine if it contains language that puts the onus on the insurance company to make a determination as soon as possible.

While most long term disability insurance policies allow for a ?reasonable? amount of time to approve or deny a long term disability claim, long term disability insurance attorneys say that the process should take between 30 and 60 days following the submission of paperwork to your long term disability insurer and if it takes longer than three of four months, you might have a real problem and your insurer may be acting in bad faith.

Long term disability lawyers know how insurers operate

Experienced long term disability insurance attorneys know how insurance companies operate and the tactics long term disability insurance companies use to delay and deny long term disability claims. If your long term insurance company is taking too long to approve or deny your long term disability claim, contact a long term disability lawyer to discuss your situation and evaluate your options. You may be entitled to long term disability bad faith damages.