What typically follows after the elimination period in a disability insurance policy?

In a disability insurance policy, the elimination period refers to the time frame after a claim is made during which no benefits are paid. Once this period concludes, the policy is designed to start providing benefits to the insured individual. The benefits commence to help replace lost income as a result of the disability, which is the primary purpose of the policy.

The elimination period serves as a waiting period to ensure that short-term disabilities do not exhaust the benefits designated for longer-term disabilities. Thus, when the elimination period ends, it directly leads to the activation of the benefits, which is a critical aspect of the policy's structure. This makes it essential for insured individuals to understand their elimination period and the subsequent start of benefits to effectively manage their finances during a period of disability.