When Does Short Term Disability Insurance Kick In?

1. 

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   Ted Ratliff

   Owner, SFS Associates,

   It depends on your policy.  Each policy is different.  A disability policy has what is called an elimination period.  This is similar to a deductible.  The policy will start paying after a specified period of time.  The longer the elimination period the lower the premium.  Check your policy or have it reviewed by a good independent agent.  If it is a group policy check with your employer benefits administrator.

   Answered on May 21, 2013

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2. 

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   Tim Wilhoit

   Owner, Your Friend 4 Life, Brentwood TN

   Since there are lots of short term disability insurance plans on the market it really depends on the exact policy you have. If you can locate your policy go to the explanation of benefits page. Once you locate the page look for the elimination period. That is the waiting period which starts on the day you are medically diagnosed with the disability and unable to preform the duties of your occupation. Your benefits should start on that date.

   Answered on July 19, 2014

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