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How long does a carrier have to make a decision on my Disability claim?
24November 15

How long does a carrier have to make a decision on my Disability claim?

This depends in part on whether the policy is a group policy covered by the Employee Retirement Income Security Act (“ERISA”), or is an individual disability income policy. Generally speaking, Courts allow carriers to take a “reasonable” amount of time to fully investigate a disability claim before making a determination. It is important to reach out to your attorney to discuss your NJ disability claim.

What constitutes a “reasonable” time will depend in large measure on the facts of each case. In ERISA cases, carriers generally have 90 days to decide a claim, but this time period can, and often is, extended for good cause.

Get Disability Protection, Contact us today

The finest way to get disability protection is to contact an experienced and knowledgeable Disability attorney who is best at NJ disability claims. If you are going to file a disability insurance claim contact disability attorney Mike Quiat.

The Social security disability lawyers at Uscher, Quiat, Uscher & Russo, P.C. have managed countless claims for your disability insurance and are ready to assist you. We have a proven track record of success when it comes to helping people obtaining the disability claim benefits that they need and deserve under the law.

Our ERISA attorneys have the abilities and experience you need to maximize your chances of securing an acceptable outcome for your NJ Disability claim. It is important to reach out to your ERISA attorney to discuss anything about your claim so that you fully understand the process, timeline, and statute of limitations.  We will analyze your case and provide compassionate advice.  We guide our clients through the proceedings to ease some of the difficulties that come across during court proceedings. Call our New Jersey ERISA Law Firm today for a free consultation.

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What Our Clients Say

  • Mr. Quiat was very specific about my options, chances of a successful appeal, and the costs of same. We did discuss the possibility of taking […]

    ~ Kevin

    unum disability claims
  • Mr. Quiat, and his Team were able to re-instate my disability benefits discontinued by Aetna Insurance. Mr. Quiat was always available, and responded quickly to […]

    ~ Carlos

    unum disability claims
  • Mr. Quiat . Is thorough , pleasant to work with . He exhibits complete competency of his profession . I would highly recommend him . […]

    ~ Insurance Client

    unum disability claims
  • Mike took the time in our initial meeting to truly understand my situation and what I was up against. He listened to my concerns and […]

    ~ Kevin

    unum disability claims
  • As I was facing some of the most difficult times of my life with seemingly no way out, I was most fortunate to meet Michael […]

    ~ Long Term Disability Client

    unum disability claims
  • HE IS THE BEST!!!! He listened very intently to me and took copious notes. At the end of my meeting with him I knew that […]

    ~ Arbitration Client

    unum disability claims
  • GREAT ADVOCATE, CARING, HIGHLY ATTENTIVE, NOT GREED DRIVEN.
    Michael Quiat handled my long term disability case and did so in a very caring manner. […]

    ~ Barbara

    unum disability claims
  • SOLID EXPERTISE Solid expertise… Very responsive in client concerns\Effective advocate in handling interactions with opposing party.

    ~ Employee Benefits Client

    unum disability claims
  • THE MOST RESPONSIVE ATTORNEY Mike stands out as the most responsive attorney…He always made it as easy as possible for me to get things done, […]

    ~ Insurance Client

    unum disability claims
  • EXTRAORDINARY ATTORNEY Mike Quiat is an extraordinary attorney…His extensive experience and expertise was instrumental in obtaining and maintaining my LTD benefits… The compassion he showed […]

    ~ LTD Client

    unum disability claims
  • EXCELLENT!They were very professional, responsive to my questions, and successfully represented me with my claim. I would highly recommend Michael Eli Quiat and Joe Russo […]

    ~ LTD Client

    unum disability claims
  • WELL PREPARED AND PRESENTED Mr. Quiat’s appeal on my behalf was so well prepared and presented there is no doubt something like this is best […]

    ~ Insurance Client

    unum disability claims
  • MIKE GOT RESULTS I’ve worked with many attorneys over the course of my business career. Mr. Quiat is not only knowledgeable and capable, but also […]

    ~ Insurance Client

    unum disability claims
  • WE SUED AND WON… My disability insurance company stopped paying me. We sued and won and Mike got my payments reinstated… I trusted Mike completely, […]

    ~ Insurance Client

    unum disability claims
  • GENUINE CONCERN FOR THE CLIENT I have personally seen Mike Quiat in action on ERISA long term disability cases. Mike takes a personal interest in […]

    ~ Insurance Client

    unum disability claims
  • I NEVER HAD A PROBLEM… I have found him to be experienced, knowledgeable, but not over-bearing … I never had a problem getting appointments, reaching […]

    ~ Employee Benefits Client

    unum disability claims
  • THE HIGHEST REGARD… Michael and his staff have always been very professional, polite, and well informed. … I have nothing but the highest regard for […]

    ~ Contracts Client

    unum disability claims
  • RESPECT AND COMPASSION… I was very scared, anxious, intimidated and unsure of how to handle a particular disability insurance claim with a big company.Mike immediately […]

    ~ Arbitration Client

    unum disability claims
  • “CAN DO” ATTITUDE… When my wife and I met Mr. Quiat my life was in turmoil. Mike sat us down and very calmly listened …When […]

    ~ Insurance Client

    unum disability claims
unum claims New York ERISA Attorney

Professional Affiliations

  • unum disability claims
  • unum claims
  • American Bar Association
  • Michael Eli QuiatReviewsout of 24 reviews
  • Martindale
  • NYC Bar
  • NJSBA
  • Bergen Bar

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Proudly serving all of New York and New Jersey.