You select the period of time between the onset of the disability and the beginning of benefit payments. This is referred to as the “elimination period”. Benefit payments may begin on the 31st, 61st, 91st or 181st day of disability.
Successive periods of disability may be used to satisfy the elimination period as long as:
- disability is from the same cause
- accumulation is satisfied within 6 months of the first disability for 60 day and 90 day elimination periods, or within one year for the 180 day elimination period.
Consecutive days of disability are required for the 30-day elimination period.
The duration of the benefit depends on your age at the time the disability occurs.