Agent Owner, Gilmore Insurance Services, Marysville, Washington State
When does disability insurance kick in? You can expect to receive a disability check 30 days after your waiting period ends. The waiting period is the time you decide to self insure to lower your premium. The longer the waiting period, the lower the cost. Payments actually begin 30 days after the end of the waiting period.
Disability benefits kick in once you have satisfied the elimination period. The elimination period describes the length of time you must be disabled before benefit payments begin.
You will have to check your policy to determine the elimination period. Every policy is different. In general shorter elimination periods mean higher premiums. Many people opt for the lower premium configuration when purchasing the policy, only to regret the decision when learning how long it takes to kick in once disabled.
Your disability benefits "kick in" or begin to pay once you have been diagnosed with an injury or illness by a licensed physician and the elimination period has been met. Your medical diagnosis must state you are unable to perform the duties of your normal occupation due to this affliction. The elimination period can vary from a day to 360 days depending on the type of disability policy that you own.
.JPG){kind=avatar}
You will have to check your policy to determine the elimination period. Every policy is different. In general shorter elimination periods mean higher premiums. Many people opt for the lower premium configuration when purchasing the policy, only to regret the decision when learning how long it takes to kick in once disabled.