Kansas Life & Health Insurance Practice Exam 2025 – Complete Prep Guide

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What is a disability elimination period best described as?

Time deductible

A disability elimination period is best recognized as a time deductible. This term refers to the duration that must pass after a disability occurs before an individual becomes eligible to receive benefits from a disability insurance policy. Essentially, it acts like a waiting period; the insured must be disabled for a certain number of days (the elimination period) before the insurance company starts providing benefit payments.

This concept is integral to understanding how disability insurance works, as it encourages individuals to consider how long they can afford to wait for benefits after a disability incident. The duration of the elimination period can vary between policies, and typically, the longer the elimination period, the lower the premiums for the policy, reflecting the shared risk between the insured and the insurer.

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Coverage waiting period

Claim submission period

Policy renewal period

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