In disability insurance, the elimination period is the waiting period before benefits begin.

• A. Probationary period
• B. Service Waiting period
• C. Elimination period
• D. Grace period

Answer: (C)

In disability income coverage, there’s a built-in delay between when a disability starts and when benefits begin. This delay is the elimination period. It’s chosen when you buy the policy and works like a deductible for disability benefits: you must be disabled for a specified number of days before payments start. Shorter elimination periods mean higher premiums but faster benefit payouts; longer periods reduce premiums but you’ll cover more of the initial disabled time yourself. The other terms describe different concepts: a probationary period relates to when coverage becomes effective, a grace period is extra time after a premium due date to keep the policy active, and a service waiting period isn’t a standard term in this context. Therefore, the elimination period is the correct description of the waiting period before benefits begin.