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What is the elimination period on a long term disability (LTD) claim ?The elimination period for a long term disability claim can be thought of in many different ways, but it can be explained in this manner. It is the period between the time that a disability begins and the point at which long term disability payments may commence.The individual filing for ltd benefits must remain disabled during this period and, obviously, a claimant will not receive ltd payments during this time. The long term disability elimination period, of course, is analogous to the five month waiting period for social security disability claims. Why does the elimination period even exist? Long term disability insurers build this into a long term disability policy or plan to account for the period in which STD, or short term disability, benefits may be paid. For what length of time will a long term disability elimination period last? Elimination periods for Ltd are often six months, though they can be any length of time an ltd carrier chooses. 
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