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Disability Insurance: Appeals

Step 2. Focus On The Deadline For Your Appeal

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Deadlines are serious. If you miss the deadline, you may lose your right to appeal.

The letter denying your claim will usually tell you how long you have to appeal.

Make an alert to remind you of the deadline date set by the insurance company.

Employer-based group disability insurance policies follow the rules described in the federal law known as ERISA. Most individual policies follow the same rules.

Under ERISA:

  • You have 60 days to appeal.
  • The insurance company then has 60 days to review the claim -- which can be extended for up to another 60 days if needed. The person or people who handle the appeal must be higher up than the person that denied it originally.

It is advisable to get to work right away to be sure to meet the deadline.

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