Regarding STD elimination period, when do STD benefits begin?

Regarding STD elimination period, when do STD benefits begin?

• A. Benefits begin immediately upon disability.
• B. Benefits begin after 14 days of disability.
• C. Benefits begin after 6 months.
• D. This elimination period applies only to LTD.

Answer: (B)

The elimination period is the waiting period after disability begins before STD benefits start. This gap helps avoid paying for very short illnesses and injuries and sets the policy’s timing for when benefits kick in. In many STD plans, that waiting period is 14 days, so after you are disabled for 14 consecutive days, benefits begin for the covered portion of your disability. It’s not immediate; the benefits don’t start right when the disability begins. A six-month waiting period is more typical of long-term disability, not standard STD. And STD plans do have elimination periods too, not just LTD, though the length can vary by policy.

The elimination period is the waiting period after disability begins before STD benefits start. This gap helps avoid paying for very short illnesses and injuries and sets the policy’s timing for when benefits kick in. In many STD plans, that waiting period is 14 days, so after you are disabled for 14 consecutive days, benefits begin for the covered portion of your disability. It’s not immediate; the benefits don’t start right when the disability begins. A six-month waiting period is more typical of long-term disability, not standard STD. And STD plans do have elimination periods too, not just LTD, though the length can vary by policy.