Elimination period

With disability insurance, you have to be continuously disabled for a certain amount of time before making a claim.

‍

This amount of time is the elimination period (sometimes referred to as a “waiting period”).

‍

The insured person won’t receive benefits during the elimination period.

‍

Once the elimination period has been satisfied, the insurance company can begin to pay the insured person their monthly disability benefit.

‍

For individual disability insurance policies, elimination periods are most commonly 90-days.