How Long Does It Take To Get Disability Insurance? 
Applying for Disability Insurance is similar to applying for Life Insurance . You must complete and submit the application , take a free insurance exam , and wait for the underwriter to review everything to determine approval . If there are medical records that need to be ordered , the length of time it takes to get the Disability Insurance will depend partly on how long it takes the doctor 's office to provide medical records . If you are asking how long it takes to receive the benefit from a Disability Insurance policy , that depends on the elimination period chosen . 