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How does the application process work for long-term disability insurance?

Once you’re ready to apply, you can submit an application online or over the phone with Saturday in just a few minutes. Saturday handles all the paperwork and works closely with your insurer to get you approved as quickly and easily as possible.

Depending on your situation, insurers may request additional information from your doctor or ask you to undergo a free health checkup. If needed, the free health checkup takes less than 30 minutes and is done by a licensed professional whenever and wherever it’s convenient for you.

Once your insurer has all the necessary information, they’ll review your case and make a decision in week or two. Assuming no unexpected health or employment information comes up during the insurer’s review, we’ll do our best to get you approved at the rate you were quoted. Even if new information comes up that requires insurers to increase your price, we’ll do our best to get you the best price possible and, if it makes sense, can help you move your application to another insurers.

The typical application gets approved in 4–6 weeks and Saturday is with you every step of the way.

Want to understand how the health exam works? Click here to check out our next FAQ, “Why is a health exam required to buy long-term disability insurance?”

If you’d like to request a quote, click here to create an account (it’s free!) and submit your quote request online.

Have more questions?

Schedule a consultation with an expert at Saturday Insurance to get all your questions answered.

Saturday Insurance Services, LLC (“Saturday” or “Saturday Insurance”) is a licensed, digital insurance advisor. All tools, quotes, and information provided by Saturday are for educational purposes only and based on the limited information, if any, provided by you. We urge you to consult with your financial and tax advisors before making any purchase decisions. All quotes and estimates are non-binding and are not to be construed as a guarantee you will be able to purchase insurance. Availability of insurance and final pricing is determined solely by our insurer partners and subject to their review and acceptance of a completed application. All product guarantees are subject to the claims-paying ability of your insurer.