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Question: 1 / 475

What is the waiting period before disability benefits begin?

1 month

3 months

5 months

Disability benefits typically have a waiting period referred to as an "elimination period," which is the time frame that must elapse after a policyholder becomes disabled before they can start receiving benefits. In many standard long-term disability policies, this waiting period is commonly set at 5 months. This duration is designed to ensure that short-term issues do not lead to claims, allowing insurers to focus on more serious, long-lasting disabilities.

Given the context of standard practices in long-term disability insurance, the 5-month waiting period is a frequently observed benchmark in the industry, aligning with what is typically provided in many policies. Therefore, if a policy specifies that benefits start after 5 months, this aligns with the conventional understanding of such insurance arrangements, ensuring that both the insurer and the policyholder have a clear timeframe for managing disability-related claims effectively.

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6 months

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