Special Rules Applicable to Disability Benefits

Notice of an adverse benefit determination with respect to a claim for disability benefits must be given within a reasonable period of time, but not later than 45 days after receipt of the claim. An extension of up to 30 days is permitted, but only if the claimant is notified of the need for the extension prior to the expiration of the initial 45-day period. A second 30-day extension is allowed, if the claimant is notified prior to the expiration of the first 30-day extension. If any additional information is necessary to perfect the claim, the claimant must be given at least 45 days to provide the information.