When life throws you a curveball and disability strikes, missing just one deadline can derail your entire long-term disability (LTD) claim. You can have perfect medical records and qualify in every way—but if you turn in your paperwork late? Your benefits could disappear.
Below are key deadlines that could protect your financial future and well-being.
Initial notification deadline
There’s usually a strict 30-day notice rule when trying to claim LTD benefits need to follow. So, notify your insurance company as soon as possible after you become unable to work. Many people miss this deadline because it’s buried in their policy’s small print.
Medical proof submission
After your initial notice, you usually have 90 days to submit all the medical documentation showing why you can’t work. This includes:
- Doctor’s notes
- Test results
- Treatment records
Insurance companies rarely give extensions, even for good reasons. Start collecting these records immediately since hospitals and doctors’ offices often take weeks to provide them.
Employer documentation
Your employer needs to verify your work history and job duties within 45 to 60 days of your claim. Your boss needs to confirm what your job involves and why your medical condition prevents you from doing it.
Check with your HR department regularly to make sure they submit this information on time.
Appeal window after claim denial
If your claim gets denied, you usually have 180 days to file an appeal. Miss this window and your case ends permanently. Your appeal must include:
- Responses to every denial reason
- New medical evidence
- Expert statements supporting your claim
- Corrections to any paperwork errors
This appeal often determines whether you’ll receive benefits or walk away empty-handed.
Lawsuit filing deadline if appeals fail
Texas law gives you three years from your final appeal denial to file a lawsuit. This time limit starts when you receive your last denial letter. Once these three years pass, you lose all rights to pursue your benefits forever.
Protect your rights to receive disability benefits
Meeting deadlines is just as important as having the right paperwork. Working with a disability attorney helps ensure you submit everything correctly and on time. This help makes a big difference, especially when you’re dealing with health problems and trying to handle complex paperwork.
