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My husband applied for short term disability through his job and is now applying for long term. During receiving short term , the insurance company would take their time approving and sending benefits to him. Even though they had all they needed from doctors they would never approve and send a check until it was time for his next appointment. Now that short term has ended he has applied for long term and they told him this would take 45 days for a decision. Again, they have all the information requested from doctors, and it has been 3 months. They keep sending paperwork asking the same questions or saying they are waiting for information or the nurse has not looked at it. Even his employer has contacted them several times asking why the process is taking so long. What can we do?