How Do You Collect Disability Insurance? 
To collect Disability insurance , you must have a disability that has lasted beyond the elimination period on your policy . E.g if you broke your back 2 months ago and your elimination period is 90 days , you will need to wait a little longer before collecting payments . It must also meet the definition of disability set forth in your policy . Your claim form should explain your disability thoroughly . Make sure you have seen a doctor who has documented your illness or injury , and see a specialist if you can . Write a cover and date it so that you have a paper trail to go back to if your claim is denied . 