How long do I have to appeal a denial?

The answer depends on where in the process the denial was rendered. If you were denied by the insurance company, either initially or after receiving benefits, you generally have 180 days from the date of the denial to request an administrative review. If your administrative review resulted in a denial, you may have up to three years to bring a federal court claim depending on the statute of limitations for similar claims in your state. For example, in Louisiana, I want to bring a long-term disability denial case to federal court within one year from the administrative denial.