Which period would permit an insurer to delay a covered disability policy claim?

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

Answer: (C)

The main idea is the elimination period in disability insurance. This is the waiting time between when a disability begins and when benefits start. During this period, no payments are made, acting like a time-based deductible. It’s built in to help keep premiums lower and to reflect that short, minor disabilities don’t always require ongoing benefits. The other terms refer to different concepts: a probationary period affects when new coverage becomes effective; a service waiting period isn’t a standard feature for delaying disability claims; and a grace period deals with late premium payments, not when benefits begin. So the term that allows delaying a covered disability claim is the elimination period.