Benefits are available once the policy has been issued, once the standard 90 day elimination period ends. (insuranceandestates.com)
Policies get cheaper with longer elimination periods because the number of illnesses and injuries that keep you from working for that long decreases. (policygenius.com)
You can typically choose elimination periods of 30, 60, 90, 180 or 365 days. (insuranceandestates.com)