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What is an Elimination Period on a Disability Insurance Contract?

An Elimination Period is the Waiting Period on a disability insurance contract.

Many people confuse an elimination period with an effective period (when thinking of their health insurance contracts).

An Elimination Period on a Private Disability Insurance Contract is the amount of time you have to wait to receive your disability income check aka disability insurance benefits; after the onset of an injury or illness disabling you from your own occupation. If your contract is in active and paid status, you can use your plan immediately but you cannot receive your check until you sit out for the time period you elected on your plan.

Many people think this is the time you have to wait between making a payment and being able to file for a claim. That is similar to an effective period on some insurance policies.

**The most frequent waiting period is a 90-day waiting period and sometimes the 180-day waiting period.**

This video explains how this works and ways to modify the waiting period.

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What is an Elimination Period on a Disability Insurance Contract?

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