loch1

This seems to be all comments on the rule. where is the actual rule itself?

is a claim decision a "notice, disclosure, or document"?

the SPD is updated every year and i have the latest version. i don't see anything about what happens if they fail to respond in the 45 day timeframe. all it says about filing and the 45 days is this"...shall notify you of the claim determination within 45 days of the receipt of your claim. "

hi, In my ERISA LTD plan, the insurer is adding about 7 days to the documented date the claim was faxed to them for "processing time". Obviously this then gives them 52 days to respond rather than 45. Is this legal? The SPD does not seem to address this.