Why does it take so long for Social Security to make a decision to whether your going to receive your disability insurance benefits? And, under what authority or law drives the decision... You do understand that this is your money, uncontested and without the ability to opt out it's just taken out of every paycheck you get. Wake up people! This is your money... nobody should be making a decision of whether you get/qualify to get your benefits. Imagine going to the bank and having the teller tell you it will be 4 to 6 months before they can make a decision as to whether they will release money from your saving account.