I went through this about three months ago. I called on a Monday and was told 45mins but in reality it was about 5mins. There were some bumps along the way - my out of state bank and phone number caused some fraud flags - but I did get money flowing eventually. The person doing intake was honestly great and made the tedious initial claim form as painless as was reasonably possible. The website sucks and the system is terrible but IMO still worth trudging through the steps.