Direct answer
Long-term disability insurance typically pays a percentage of your salary if a documented illness prevents you from performing the material duties of your occupation, though it depends on your specific policy’s definition of disability. Benefits usually begin after an elimination period, which is a pre-determined waiting period ranging from 90 to 180 days.
Standard insurance policy provisions regarding benefit triggers and elimination periods.
What this means for you
Long-term disability insurance typically pays a percentage of your salary if a documented illness prevents you from performing the material duties of your occupation, though it depends on your specific policy’s definition of disability. Benefits usually begin after an elimination period, which is a pre-determined waiting period ranging from 90 to 180 days.
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