What are the steps involved in filing a long term disability claim? (Video)


The long term disability claim should first be filed with the insurance company. They will process the claim and make their, what they call the initial determination. At that point, if the claim is denied the insurance company is allowed under the ERISA Statue to review the claim at least one time, but not more than twice. They have 45 days to review the claim once the appeal is final. The individual only has 6 months, or 180 days, to file the appeal. Folks that are applying for long term disability should be well aware of the appeal period. If one misses that appeal period, then the claim will never be revised.

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