Renwanz Insurance & Financial Solutions, Carlsbad, CA
In order to start receiving short term disability payments from an insurance company, you must have qualifying conditions for a specific period of time as set forth in your short term disability agreement or company handbook. This "elimination period" is a specific number of days, generally continuous, which you must be out of work due to a non-occupational illness or injury.
Most companies will require you to first use a portion of your PTO time. Elimination periods can vary, but most are from zero to 30 days. Consult with your human relations handbook to see the specific details of your plan.
An elimination period is the time you must wait between the onset of a disabling illness or injury, to the time when you can begin drawing benefits from your short term disability policy. The cost of a Disability Insurance policy is usually lower when the chosen elimination period is longer.
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Most companies will require you to first use a portion of your PTO time. Elimination periods can vary, but most are from zero to 30 days. Consult with your human relations handbook to see the specific details of your plan.