When does short term disability start?

Answer 1

Benefit payments begin after satisfying the policy elimination period. The elimination period describes the length of time the policyholder must be disabled before benefit payments begin.

The elimination period is established when completing the policy application. Generally policies with shorter elimination periods have higher premium costs, so the answer partially depends upon the choices made at purchase.

There may be separate elimination periods for accidents and illnesses, so the answer also depends upon the reason for the disability.