How long do I have to file a lawsuit after the insurance company has advised me that I have “exhausted” my administrative appeals?

If there is no mention of a specific time limit to file a legal action (lawsuit) in your LTD policy, then the time limit is the same a breach of contract claim in your state. However, most LTD policies have a specific deadline to file a legal action. This specific language is usually towards the back of an LTD policy. Typical policy deadlines range from 1 to 3 years, but United Parcel Service’s LTD policy deadline is 6 months.