Elimination Period (Waiting Period) is defined as which of the following?

Elimination Period (Waiting Period) is defined as which of the following?

• A. A period of days that must pass after the onset of an illness or occurrence of an accident before benefits will be payable.
• B. A waiting period during which premiums are paid.
• C. A period during which the policy is in force.
• D. A period after which benefits are payable immediately.

Answer: (A)

The elimination period is the number of days after the onset of a disability (illness or injury) that must pass before disability benefits begin. It acts like a time deductible, helping to exclude short-term claims and keep premiums more affordable. The period is not about when premiums are paid, nor is it a general policy term, and benefits do not start immediately after the onset—benefits kick in only after that waiting interval ends.

The elimination period is the number of days after the onset of a disability (illness or injury) that must pass before disability benefits begin. It acts like a time deductible, helping to exclude short-term claims and keep premiums more affordable. The period is not about when premiums are paid, nor is it a general policy term, and benefits do not start immediately after the onset—benefits kick in only after that waiting interval ends.