After how many months of disability does the elimination period typically apply in disability insurance?

In disability insurance, the elimination period is the duration of time that must pass after the onset of a disability before benefits become payable. Typically, this period serves as a waiting time that the insured must endure before receiving financial support from the policy.

Generally, the standard elimination period is around six months. This time frame helps insurance companies mitigate the risk of frequent claims for short-term disabilities, which are often less financially impactful but more common. By having a six-month elimination period, insurers can balance the costs associated with paying out claims while also ensuring that policyholders have a safety net during longer-term disabilities.

Understanding the structure of disability policies, including the elimination period, is essential for policyholders to make informed decisions about their coverage. Therefore, a six-month elimination period aligns with typical industry practices and policy designs, making it the correct answer in this context.