1. 61667 POINTS
    Steve Savant
    Syndicated Financial Columnist, Host of the weekly talk show Steve Savant's Money, the Name of the Game, Scottsdale Arizona
    Once a disability insurance policy is in force, i.e. delivery requirements have been met and the modal premium paid, the elimination or waiting period must take place. The waiting period starts at the filing of the claim, e.g. 90 days. after that the monthly benefits begin. The benefits are generally tax free.
    Answered on September 12, 2013
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