This is in regards to long term payments.once an application is made is there a time line for the insurance providers to make a decision...like 30 or 60 or 90 days or cab they delay a decision indefinitely. ..

It depends on the documentation you provide and any follow up questions they may have after you submit the application. Your insurance policy will state how long they have to give you an answer but typically they provide an answer within several weeks to several months depending on the application and medical support you submit. You should follow up if you haven't heard anything in 30 days. Don't let it linger beyond 90 days. Call us immediately if that happens or if you sense that the insurer is going to deny your claim.