How Long Does Private Disability Insurance Last? 
You coverage length options for long term disability depend on the carrier but are some combination of the following : 2 years , 5 years , 10 years , to age 65 , to age 67 and/or to age 70 . There is also an elimination period that must be satisfied in order for the policy to kick it . Typical elimination periods are : 30 days , 60 days , 90 days , 180 days and/or 365 days . From my experience , the most common is a 90 day elimination period with coverage to age 65/67 . It is also important to note that the length of coverage of an own occupation definition of disability could be shorter than the total coverage of the policy . This is most common in group long term disability insurance . 