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If you experience a debilitating injury, you may have a longer waiting period before receiving benefits. Long term disability claims normally take up to 90 days to process, sometimes longer. After your claim is settled, you can receive benefits for several years, until you reach age 65, or until you recover. Some policies pay benefits for the rest of your life, although this varies by policy and by insurer.
If the disability lasts longer than four weeks, you may qualify for a benefit paid directly by the short-term disability carrier, which is equal to the New York State disability benefit amount of 50 percent of your weekly pay up to a maximum of $170 per week.