We explain how long it typically takes to receive a decision on short-term and long-term disability benefit applications. Short-term disability decisions are usually quick—especially for clear, catastrophic injuries—but more routine conditions may take 1–2 weeks if proper medical documentation is provided. Long-term disability claims generally take 30–90 days after submission, depending on how quickly the claimant provides medical records, job descriptions, and other required information.

Claimants usually do not lose benefits by submitting their application after the elimination period; approved claims are often paid retroactively. However, giving timely notice of a potential claim is important.

Once a claimant notifies the insurer, the insurer may immediately start interviews and requests, so representation can help manage the process.