Ostomy definition, any of various surgical procedures, as a colostomy, in which an artificial opening is made so as to permit the drainage of waste products either into an appropriate organ or to the outside of the body. See more.
Each level of the process takes time and there is no guarantee that you will be approved on your first claim. Average decision waits at each level. For instance, it takes anywhere from thirty to ninety days to get a decision on your initial disability claim. If your initial disability application is denied, you must appeal your denial by filing a request for reconsideration appeal. Your reconsideration appeal takes about sixty days to receive a decision.
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.