CARC 29: The time limit for filing has expired
The claim was not submitted to the insurer within the required filing deadline.
What this means for your claim
Health plans have timely filing requirements (often 90 to 365 days from date of service). A late claim is typically denied in full.
What to do next
- 1
Ask your provider for proof of the original submission date — many denials on timely filing grounds are incorrect.
- 2
If the provider can show a timely submission (e.g., clearinghouse records), they can appeal with proof.
- 3
If filing was genuinely late due to circumstances beyond your control (e.g., insurer error, coordination of benefits delay), an appeal with a written explanation may succeed.
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