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How Long Does Long Term Disability Take to Process? - YouTube
Channel: Dell Disability Law
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hi I'm Greg Dell with attorneys Dell and
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Schaefer and today's disability
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insurance question the day is how long
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does disability insurance claim take to
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process and Steven that's a very common
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question that has a lot of variables
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that go into that even when I say how
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long take the process is basically how
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long until my claim is gonna be approved
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and what are the factors when someone
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calls you with that question that would
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this would answer that question you know
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it's going to be in a lot of ways your
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policy you know the language of the
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policy say you're able to extend the
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elimination period if the insurance
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company has all the information if
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they've requested information from you
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and you haven't provided it that cuts
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into the amount of time that they have
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under the law especially under an
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employer provided policy to make a
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decision so there's a lot of factors
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that can really go into it everyone
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thinks the insurance company's dragging
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their feet dragging their feet and they
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do there is there's quite a bit of that
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but there's also a responsibility to the
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insurer to make sure they're providing
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all the information needed so the review
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can be done okay so let's talk let's
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focus this on long-term disability
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applications first of all there's a
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thing called elimination period what is
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that and how long is the common duration
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of an elimination period an elimination
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period is the amount of time that an you
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have to be disabled before long-term
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kicks in in the insurance company will
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not pay you benefits now if your
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employer a short term disability the
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short term disability period in the
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elimination period are the same but it
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does happen that some don't and say you
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have a 90 day which is common usually 90
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days to 180 days or 26 weeks so say it's
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a 90 day and you don't have short term
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you'd have to be disabled without pay
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really coming in for 90 days before your
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long term disability policy would kick
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in and pay you any benefits okay and
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let's go with this scenario that it's a
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90 day elimination period does that mean
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on day 91 the person should be getting
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paid benefits hypothetically yes they
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should be it doesn't mean that they will
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because like I said again it has to do
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with providing of information some
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people wait
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like 30 days or so to make the
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application even so that can slow
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everything down that's why sometimes you
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know having an attorney can be very
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helpful because you know we know what
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the insurance company's gonna want to
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see you gather all that together for
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presentation to make sure that review
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can be done as quickly as possible but
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it's not uncommon if you had a 90 day
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elimination period you could be a month
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maybe two months after the end of that
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before decisions made now if your
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insurance company approves they do have
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to pay you any of the back benefit you
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know back to that 91st day but you know
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you're still there without money so it
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becomes very problematic for a lot of
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people right well the question I gave
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you is kind of a loaded question because
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number one the 90 days is really not 90
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because they always pay in arrears which
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means they're gonna pay 30 days after
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the fact so no one would ever see a
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check until day 120 give or take because
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they pay ahead just like when you work
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you get paid after you do the work so
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the disability carriers pay pay the same
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way the other thing is is that you're
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supposed to be out of work for 90 days
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so how do you go ahead and apply a day
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30 when you don't necessarily know that
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you're gonna be out for another 60 days
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and that's a tricky thing also in terms
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of you know how long does the process
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take so what I like to tell people in
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general that assuming you satisfy the
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elimination period that you should
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expect on a long term disability claim
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at least 60 days until your claim is
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going to be approved from once you
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submit everything that needs to be
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submitted now whether or not if you
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handle your claim on your own you know
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how to submit everything that you think
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needs to be there because I can
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guarantee you and Steve you know this
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that they don't ask you for everything
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in that initial application they
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purposely play this game to say send us
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the form send us a doctor statement and
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that should be okay for now but that's
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never enough the follow-up letter has a
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lot more information being requested so
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if you are prepared and and we do offer
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a service where we help people apply for
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benefits and you can watch our videos on
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how to apply for disability benefits
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which you'll hopefully find very helpful
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but if everything is done perfect you
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can anticipate that the decision should
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be made in six
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days but if you're someone who's
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watching this video now because you're
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already at 60 90 120 6 months which is
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not unheard of then you're in the
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typical delay strategy of getting
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approved because of the fact that the
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disability company is always asking for
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additional information so this is
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something that we can help you with the
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easiest thing they do right away is to
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fill out the free consultation form on
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our website give the phone number are
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called the bottom of your screen we're
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gonna ask you for a copy of your
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long-term disability policy which we
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will immediately review for you and
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provide you with a free consultation
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you're certainly welcome to continue
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watching or other videos that are
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available on our YouTube channel we
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would love for you to subscribe to our
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YouTube channel so that you can not only
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watch videos like this but watch other
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videos that you may find helpful as you
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go through this journey of your
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disability claim our clients are located
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all over the country and we would love
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the opportunity to discuss your claim
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with you
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you
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