1. 10968 POINTS
    Tim WilhoitPRO
    Owner, Your Friend 4 Life, Brentwood TN
    I believe you are asking when the disability insurance benefits begin. All disability policies have a waiting period called the elimination period. This can be found on the declaration page in your policy. The elimination period is the period of time between a medical diagnosis of the disability and when benefits begin to pay to the insured. The most common elimination periods are 30-60-90-180-360 days.
    Answered on November 16, 2014
  2. 63333 POINTS
    Peggy MacePRO
    Most of the U.S.
    The amount of time it takes for disability insurance to kick in depends on the elimination period chosen when the policy was purchased. The shorter the elimination period, and the sooner the disability benefits kick in, the higher the premium usually is. A common elimination period for long term disability insurance is three months.
    Answered on November 16, 2014
  3. 246 POINTS
    Ronald Mesler
    We Protect Doctors, LLC, Boise, ID
    Excellent question! More to the point, when does the money start showing up for a qualifying disability? It really depends on the type of policy you have. Many people have short-term disability with their employer, aka STD. That will commonly start coverage after as little as 30 days. Check with you HR department for the details. Many people have work coverage known as LTD or long-term disability. The most common period requires a wait of 90 days "elimination period" before benefits start. I hope that helps! Good luck.
    Answered on June 8, 2016
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