How Long Do I Have to Appeal a Denied Disability Claim in Alabama?

It depends on your disability coverage and whether your policy is governed by ERISA.

• For ERISA disability claims, you usually have 30 to 180 days to file for an administrative appeal starting on the date you receive the denial letter.
• For non-ERISA claims, you may have anywhere from 30 to 90 days to file an appeal. The deadline will be noted in both the denial letter and/or your individual insurance policy.

As soon as your claim gets denied, contact an Alabama disability insurance attorney about what happened. Your lawyer can let you know the best steps to take next.