Elimination Period

Elimination period is the number of days you must be disabled before receiving disability benefits. Many analysts suggest that you consider a 90 day elimination period. A shorter period than that may prove your disability insurance may be too expensive. A longer period than that can severely strain your family finances. As part of your financial planning process, you should save enough money to have an emergency fund to cover 3-6 months of income. If you can set aside an emergency fund, give serious thought to a 90 day elimination period.

The Benefit Period
Definition of Disability

This document was last modified on July 26, 1999

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