What is an elimination period for long-term disability?

An elimination period is the amount of time you must be disabled under a disability insurance policy after filing the claim and prior to receiving benefits. It is the length of time between the date of the beginning of a disabling injury or illness (also known as the onset date) and the day you can begin receiving benefit payments from an insurer. It can also be known as the waiting period or deductible period. Many policies have a 90-day elimination period, but other periods do exist. Some are 180 days, and others can be much more. 

Generally, a long-term disability policy with a longer elimination period will cost less.  However, if you should become disabled, you will have to go a longer period before payment can begin.

For a short-term disability policy, the elimination period is generally 0-14 days.

The length of your elimination period can be found in your policy. Remember, you will not get any benefits for the duration of the elimination period, even though you are disabled.

8 Specific Actions To Take Before Filing Your Long-Term Disability Claim Report If you're preparing to file for long-term disability, we've created a checklist of "8 Specific Actions to Take Before Filing Your Long-Term Disability Claim." All we need is your name and email address, and we'll send you the checklist right away. Don't make a costly mistake before you've even applied! Just click here to receive your copy of "8 Specific Actions to Take Before Filing Your Long-Term Disability Claim."

Loyd J. Bourgeois
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Disability, Personal Injury, and Divorce Attorney