When Does Long Term Disability Insurance Kick In?

  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
    After your long term care disability insurance policy is in force, the benefits will start after your elimination or waiting period is over. And generally speaking the benefits will be tax free. But medical confirmation of your inability to work because of prolonged sickness and/or injury needs to be established via your medical professional.
    Answered on September 11, 2013
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  2. 63333 POINTS
    Peggy Mace
    Most of the U.S.
    Long Term Disability Insurance kicks in after: 1) you suffer a qualifying disability per the terms set for in the Disability policy, and 2) the elimination period has passed. You select the elimination period when you purchase the policy; in long term disability insurance it is usually several months.
    Answered on December 29, 2014
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