Disability Insurance
4 months ago
Disability insurance elimination period — 90 days vs 180 days, how to choose
17
I'm buying individual long-term disability insurance. I can choose a 90-day elimination period ($285/month) or 180-day ($215/month). It's a $70/month difference. I have a 4-month emergency fund. Is the longer elimination period worth the savings? How many people who file disability claims actually need benefits beyond 6 months? What elimination period do most professionals choose?
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