Long-term disability benefits typically begin after how many days of disability?

• A. 30 days
• B. 90 days or more
• C. 1 year
• D. 7 days

Answer: (B)

Long-term disability benefits are tied to an elimination period—the waiting time after disability begins before benefits start. This gap helps exclude brief illnesses and aligns with how long-term coverage is designed to function. The most common length is about three months, with many plans requiring 90 days or more of continuous disability before benefits begin. That’s why 90 days or more is the best answer. Shorter waits like 30 days are typically associated with short-term disability, and a 7-day wait is far too short for long-term coverage. A full year can occur in some rare plans, but the standard practice is 90 days or more.