Story at-a-glance
- Payments start after your elimination period, usually 90 days from when you became disabled.
- The first benefit check is typically paid at the end of the fourth month.
- You must stay disabled during the entire waiting period.
- Claims with complete forms and records get processed faster.
- Your agent can help avoid delays.
Understanding the Timeline
Once you file a disability claim, one of the first things you’ll ask is:
When will I start getting paid?
For physicians and dentists, your benefit payments usually begin after the elimination period ends—but there’s a little more to it.
Step 1: The Elimination Period
The elimination period is the number of days you must be disabled before your benefits kick in. Think of it like a time-based deductible. Most disability policies for doctors and dentists have a 90-day elimination period.
So, if your disability begins on January 1, your benefits would start to accrue after April 1.
Step 2: When the First Check Arrives
Here’s where timing matters. Even though benefits begin after 90 days, most companies pay monthly in arrears—meaning they pay after each month of disability.
So in the January 1 example:
- You’d hit day 90 on April 1
- Your first full benefit month would be April
- Your first payment would likely arrive around the end of April or early May
That’s why it’s important to have 3–4 months of savings to cover the gap.
Step 3: How to Speed Up the Process
To avoid delays:
- Submit all required forms on time (your statement, doctor’s statement, job duties, income proof)
- Keep your doctor’s notes updated and clear
- Respond quickly to any requests from the insurer
- Work with an agent who can help monitor the process
Most delays happen because something is missing or unclear.
What If You’re Partially Disabled?
If you have a residual (partial disability) rider, your claim may also require proof of income loss. This adds a step—but benefits are still paid based on your loss percentage, and follow the same timeline after the elimination period.
Final Thought
Disability insurance doesn’t pay immediately—but with the right plan and prep, you’ll know what to expect. Most doctors and dentists receive their first check about 4 months after their disability begins. That’s why choosing the right elimination period and planning ahead is key.
Want help understanding how your policy pays—and how to protect yourself during the wait? Request your personalized quote today using the button below.
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