Content Overview 
- Summary
- Eligibility
- Probation Period
- Pre-Existing Condition Provisions
- Total Disability Definition
- Elimination Period
- Offsets
- Benefit
- Survivor Benefit
- Partial Disability Or Residual Benefit
- Recurring Disabilities Provision
- Maximum Benefit Period
- Mental And Nervous Limitation
- Other Exclusions And Limitations
- Rehabilitative Training Or Employment
- Waiver Of Premium
- Conversion Privilege
- Insurance Company Financial Situation
- Income Taxability Of Disability Insurance Benefits
Disability Insurance: Long Term: Group
Elimination Period
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The elimination period is the period of time between leaving work on disability and the time when you start receiving payments.
Elimination periods generally range from ninety days to six months. There are plans with shorter waiting periods, and other plans with longer periods.
Many employers will design their plans so that one will start when another ends. For example: With many large employers, there will be sick leave, say of 7 days, during which employees are paid full salary and benefits. Then an employer's Short Term Disability plan may start after "8 days or end of sick leave, if later." The average short term disability plan then covers income for 3 - 6 months. At the end of that period of time, the provisions of the Long Term Disability Policy kick in.
Social Security Disability Insurance (SSDI) benefits start after a similar elimination period.
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