What Is The Waiting Period For Disability Insurance? 
The waiting period , also known as the elimination period , varies from plan to plan . For short term disability insurance , the common elimination periods are 7 and 14 days . For long term disability insurance , the most favorable ep is 90 days , but some policies are written with 180 or even 365 eps . The longer eps are usually to offset the cost as it 's cheaper when the waiting period is longer . 