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The process can take anywhere from one month to three years, depending on where you live and the complexity of your case. It typically takes up to six months to receive a decision when you initially apply for disability. If you are denied, you have the right to a Request for Reconsideration.
A typical waiting period for short-term disability benefits is 15 days, but may be shorter or longer, depending upon an employerâs sick leave plan. Waiting periods for long-term disability plans usually start 30 to 180 days after the disability occurs. Itâs best to coordinate coverage so that once any sick pay and short-term disability benefits have been exhausted, long-term disability benefits start immediately.