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Disability Insurance: Individual: Things To Think About When Purchasing

Elimination Period

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The shorter the Elimination Period, the more expensive the policy; the longer the Elimination Period, the less expensive the policy.

When making a purchase, compare the costs, but also keep in mind how long any premium savings would last. If you choose a 90 day or 6 month waiting period rather than a 30 day period, and set aside the savings you reap by paying cheaper premiums, you will have the money available to help you through until benefits begin.

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