Does Disability Insurance Have A Waiting Period? 
Yes , Disability Insurance has a waiting period that you select yourself . Your premium will correspond inversely to the length of the waiting period you pick . I.e. . A policy with a 3 month waiting period will have a lower premium than a policy with a 1 month waiting period . The waiting periods are called elimination periods . Your agent can help you select the one that best fits your needs and budget . 