Story at-a-glance
- The elimination period is the waiting time before your disability benefits start.
- Most policies for doctors and dentists use a 90-day period.
- It works like a deductible, but in days instead of dollars.
- A longer elimination period usually means a lower premium.
- Shorter waiting periods are available but cost more.
What Is the Elimination Period?
When you file a disability claim, your benefits don’t begin right away.
The elimination period is how long you must be disabled before your monthly payments start.
Think of it like a waiting period or a time-based deductible. It’s usually measured in days—common options are 30, 60, 90, 180, or even 365 days.
Why 90 Days Is the Sweet Spot
For most physicians and dentists, a 90-day elimination period is the most popular choice. It offers a solid balance between:
- Affordability (lower monthly premium)
- Reasonable waiting time before benefits begin
- Strong overall protection
Shorter periods (like 30 or 60 days) can double the cost of your policy, while longer ones (like 180 or 365 days) lower your premium—but you’d wait longer for help.
How It Works in Real Life
Let’s say you have a 90-day elimination period and suffer a hand injury that prevents you from performing procedures.
- You stop working on January 1
- Your first benefit payment would be due around April 1 (after 90 days)
- Most companies pay benefits monthly, so your first check may not arrive until the end of April
This means you need to cover your own expenses during that waiting period—through savings, emergency funds, or sick leave.
Should You Choose a Different Period?
Here’s how to think about your options:
- Choose a shorter period (30–60 days) if:
- You don’t have savings
- You want faster access to benefits
- You’re okay paying a higher premium
- Stick with 90 days if:
- You have a 3-month emergency fund
- You want a good balance of cost and protection
- You’re like most doctors and dentists
- Consider a longer period (180+ days) if:
- You want to lower your monthly cost
- You can cover expenses for 6+ months on your own
Final Thought
The elimination period is a small but important detail that affects your policy’s cost and how soon you get paid. For most doctors and dentists, a 90-day period hits the sweet spot—affordable, reliable, and realistic.
Want help choosing the right elimination period for your situation? Click the button below to request your custom quote.
We’ll help you find the perfect fit based on your income, savings, and goals.
Ready to protect your future?
Get a personalized side-by-side policy comparison of the leading disability insurance companies from an independent insurance broker.
