I'm just going to add that in the long-term disability program, generally speaking, we're speaking with the client about six months prior to the date of release. We are quite fortunate: 87% of the clients will know they've been pre-approved prior to their date of release, so most of them know they can expect a payment within a month.
You might ask why it's 87%. Typically, between 8% and 10% of people don't apply until after the date of release. That's the major reason that number is where it is.