The answer depends on the type of benefit claim at issue. For example, by law, you are entitled to a minimum of 180 days from the date of the adverse claim determination to appeal a denial of a claim for benefits under a disability benefits or medical benefits plan. Similarly, you have a minimum of 60 days to appeal the denial of a claim for retirement benefits or life insurance benefits. The actual deadline will be set forth in your “plan document.” Please note that the denial letter you receive from your plan’s claim administrator, which is often an insurance company such as Cigna, SunLife, MetLife, Standard, The Harford, Prudential, or Unum Life Insurance Company, is required to state how long you have to appeal, and it must also include instructions for submitting an appeal. Link to related long-term disability video.