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 claim before making a determination.
What constitutes a “reasonable” time will depends 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.
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