How long does it take to get a long-term disability policy?

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The length of time for approval depends on the complexity of the applicant's case. If an applicant has health issues, it will probably take longer for the insurance company's underwriter to review the case. The insurance company might also request the applicant's medical records, which could take several weeks. Generally, you can expect a decision on a long-term disability application within 4-6 weeks.