This is a very good question. Disability insurance is a contact, so if interest is to be paid for delays in benefits, then that would have to be set out in the contact (insurance policy). I have never see it included in a policy.
In the example you give (Creditors), you have a contract with them includes a clause requiring interest.
However, insurance companies will always pay interest on past benefits owed in cases that go to litigation (legal appeals) because the interest is required by the rules of court. So there is a rule requiring it.
Disability Lawyer with Resolute Legal
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