Transcript:

A long term disability claim can be processed either in a short time or it could take one or two years. The reason is if the claim is allowed at the initial application stage, or perhaps at the administrative appeals stage, then the amount of time is a matter of months. However, if the claim was denied at the administrative appeals stage, then the claim has to be taken to court. We have to wait on the court’s docket at that point in time, so it could take a year or even more to process the claim all the way through court.