Elimination Period

A specified number of days between the period of disability and the start of disability income insurance benefits, during which no benefits are payable. This is also known as the waiting period. This specified amount at the beginning of each period of disability can be optional.

Usually a disability plan is more expensive to purchase if the waiting period is short. The usual options are 30, 60 and 90 days.

If you suffer a stroke and become disabled then you could see payment under a number of health plans. Your critical illness would become payable after 30 days, your disability would start making payments depending on which elimination period you picked and long term care could become involved if you do not recover from the physical impairment.