CARC 29: The time limit for filing has expired.
The provider didn't submit the claim within the carrier's deadline (typically 90-180 days from date of service). Timely-filing denials usually become provider write-offs.
CARC 29 is the code your insurance company used to explain why your claim was reduced, denied, or paid less than expected. It appears on your Explanation of Benefits (EOB) — the statement your plan sends after a claim is processed. Here's what it means for you and what you can do about it.
What CARC 29 means
The official X12 description is: “The time limit for filing has expired.”
In plain language: The provider didn't submit the claim within the carrier's deadline (typically 90-180 days from date of service). Timely-filing denials usually become provider write-offs.
Common scenarios
- Provider billing department fell behind
- Coverage didn't process until after submission window
- Disputed payer identity at time of service
What to do next 29
This is usually the PROVIDER'S responsibility, not yours — federal balance-billing protections may apply. Contact the provider's billing office and decline to pay until they appeal the timely-filing denial with the carrier. ERISA self-funded plans must give providers a reasonable cure window.
DenialHelp helps organize a source-linked draft from the denial notice and confirmed case facts. The patient and treating clinician must verify the governing review rule, current payer policy, clinical sources, attachments, destination, and deadline.
CARC 29 group codes explained
On the 835 ERA, CARC 29 appears alongside a group code that signals who is financially responsible for the adjustment. CO (Contractual Obligation) — Contractual write-off. The provider agreed to the rate. Patient does NOT owe this amount.
Frequently asked questions
What does CARC 29 mean?
The time limit for filing has expired. In plain language: The provider didn't submit the claim within the carrier's deadline (typically 90-180 days from date of service). Timely-filing denials usually become provider write-offs.
Is CARC 29 appealable?
Yes — CARC 29 is one of the codes that commonly supports an appeal. This is usually the PROVIDER'S responsibility, not yours — federal balance-billing protections may apply. Contact the provider's billing office and decline to pay until they appeal the timely-filing denial with the carrier. ERISA self-funded plans must give providers a reasonable cure window.
Which group code does CARC 29 appear under?
CARC 29 most often appears under: CO (Contractual Obligation) — Contractual write-off. The provider agreed to the rate. Patient does NOT owe this amount.
When does CARC 29 typically appear on a denial?
Common scenarios: Provider billing department fell behind; Coverage didn't process until after submission window; Disputed payer identity at time of service.
How do I appeal a CARC 29 denial?
This is usually the PROVIDER'S responsibility, not yours — federal balance-billing protections may apply. Contact the provider's billing office and decline to pay until they appeal the timely-filing denial with the carrier. ERISA self-funded plans must give providers a reasonable cure window.
Related resources
Sources
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