Deciding on whether someone is eligible for long-term disability insurance benefits often involves reviewing their medical records and conducting a vocational analysis of their current occupation or other occupations they could perform.
In some cases, an independent medical examination may also be necessary. Insurance carriers usually have a set time frame within which they must decide, though this may vary depending on individual policies.
Under federal regulations, there is typically a specific time frame for such decisions. They must make decisions within 45 days of receiving the claim but can take up to two 30-day extensions under exceptional circumstances.