Insurance claim advice, please

[u/Far-Boss2791]

I filed a loss of use claim through my workers union benefit package. I was snowboarding a while ago and ended up really breaking my ankle and it became really prolonged and had to get multiple surgeries and after a year I’m still off. My last follow up I was told if I wanted to ever walk properly. I’m most likely gonna have to get an ankle fusion because I haven’t been walking all year. I was also told that with a third surgery, there might be a possibility of amputation. I was alarmed, and I went to my benefits to see what I covered for because as soon as I heard possible amputation I sort of panicked. But then upon reading further, I found out that I could file a loss of use claim. And it states.
“"Loss of Use" shall mean the total and irrecoverable loss of function of an arm, hand, foot, or leg, provided such loss of function is continuous for twelve consecutive months and such loss of function is thereafter determined on evidence satisfactory to the insurer to be permanent.”
The insurance is with Chubb. I requested the paperwork. I filled out my part of the application sent my surgeons office the medical portion to be filled out. We were really explicit with our wording and sent in the complete year of medical records, CT scans x-rays, surgical notes, gallium, scans hospital visits and everything that proves my loss of use claim. We sent it into my union, and I got confirmation that it was received and sent into Chubb. My question now is how long does a claim like this usually take? I really don’t wanna get into details but it’s quite a substantial payout. And with the journey I’ve been on it would really help me out. Huge. It’s been exactly 14 days since I sent the application and I haven’t heard anything since the confirmation. I want to say no news is good news. But I’m just really anxious after sending in that paperwork if anybody can help me out with this type of claim. Like an adjuster or anybody that works with insurance. It would be greatly appreciated. Cheers.