How difficult is it to make a long-term disability claim?

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Insurance companies will require you to provide proof of your disability, typically by filling out a claims form and submitting a statement from your doctor and copies of any relevant medical tests. Depending on the insurer and the type of claim, the claims process may be quite involved. It could take anywhere from a couple weeks to a few months. For more complicated claims, there are disability attorneys and claims consultants who can advise and guide through the claims process (for a fee). At PolicyGenius, we've researched the claims practices of different insurers to recommend only those that we believe have a reputation for a fair claims process.