What Is An Accumulation Period With Disability Insurance? 
The accumulation period in a disability insurance policy is the time frame during which your elimination period must be satisfied . E.g. . You have an elimination period of one month and an accumulation period of three months . You break your leg , are out of work a week ; go back to work for a month ; your leg is n't healing correctly ; you have to have surgery to reset it ; you are out of work for 3 weeks and not sure when you get to go back . At this point your Disability policy will start paying because you satisfied the one month elimination period during the three month accumulation period . 