For how long must a person be disabled before Disability Benefits can start?

The correct duration for which a person must be disabled before they can start receiving Disability Benefits is typically 5 months. This waiting period is standard in many disability insurance policies and is designed to ensure that the individual’s situation is a true disability rather than a temporary condition. By requiring a 5-month waiting period, insurers can assess the permanence and severity of the disability, confirming that the individual will require long-term support.

In the context of disability insurance, the waiting period is known as the "elimination period." During this time, the insured must demonstrate ongoing inability to work due to an eligible disability. Once the 5 months have passed and the individual continues to meet the criteria for disability, they become eligible to receive their benefits, which can provide critical financial support during their recovery or adjustment period.

Therefore, understanding the 5-month requirement is essential for policyholders and applicants to manage their expectations regarding when they will start to receive benefits and to plan accordingly for their financial needs during that time.