If Long Term Disabilty is denying you because on the date of the claim you were in the pre-x period then it would be forever. When the pre-x time is over - then it would cover a NEW claim. Not a pending one. Check YOUR actual policy for exact details. For more information www.SteveShorr.com/disability.htm
Social Security disability is approved on a case by case basis. Some people are denied disability the first time they apply. I have a friend who was born with spina bifida who was denied three times. The fourth time he filed his claim he got approved. The process took 3 years before he was approved and began receiving benefits.
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